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Thanks David, I have only got to the 2nd stage nothing has been agreed so would I be able to contact both you & Kevin for details of what you could re...

Thank you so much jjdecay it's good to hear from somebody who is going through the same process and I will double check everything you have said, like...

Thanks everyone, the breakdown is Myself £13,000 My husband £ 3,500 & joint £ 33,000 Disposable income approx £300 / £400 Mortgage £69,000 value ...

Hi Kevin thanks for the reply, 1 company told me 4 years but and another told me 5 years, I am waiting on a drive by valuation being carried out but...