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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by harryboy[/i] [br]I was discharged earlier this year, allowed to keep my house as in negative equity etc. My issue is, im coming to the end of my fixed term mortgage and i need/want to reduce my interest rate as still high. My lender has stated that unless house has a better LTV currently 116% in their eyes ! I will not be considered for a better rate. I have asked for a valuation to be carried out but i dont think this will help, judging by the valuer who came out (Mr Personality). Now do i call the lenders bluff and tell them unless i get better rate they can have the house as i cant afford it and they lose out financially. Or will they just laugh at me and say so what ? Im already bankrupt so things cant get any worse for me. I could actually rent a property like mine for 400 less than my mortgage anyway, although i do still want to remain a home owner. Am i wasting my time ? Is it just a case of tough s**t im in this mess and nothing can be done ? Any advice would be great, even if its to tell me my idea is crazy ? Cheers in advance. [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.