I am a home owner with an excellent credit rating. I have a property valued last year at £140000, my current mortgage is £80000, but I also have a secured loan against my property.

I want to borrow £60000 to consolidate an existing secured loan of £43000 which I pay £635 per month for and other things such as credit cards, store cards etc which are costing me approx £1150 per month, a total of almost £2000 per month - unfortunately Picture my current lender can not help as they are no longer lending.

Are there any lenders left out there since the credit crunch who will borrow 100% or more of the value of your home. When I look at loan calculators on various websites and ask for £60000, over ten years I can get my monthly outgoings from £2000 to about £800 per month.