Written on: 25/10/2012
Rather foolishly some 7 years ago,at the height of the property boom, took out a 15 year fixed-rate, self-certified mortgage for 115% of my property's value with Northern Rock. Big Mistake. HUGE. When things were good they were happy to lend, but now things are tough - and like so many others my income has fallen dramatically - they just don't want to know.
I've asked if I can come offer fixed rate to save money. No.
I've asked for a little understanding until I get back on my feet. No.
I've suggested that surely it would be more beneficial for them to help that to force me to sell. They couldn't care less.
I wish I knew then what I know now...
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