I am currently in the process of separating from STBXH and desperately trying to cut costs as much as possible.
We currently have a joint mortgage. The plan is that DS and I will stay in the house and he will rent a flat nearby. He will pay me xx a month, which in addition to my salary will allow me to continue to afford the mortgage and bills - albeit with about half the amount left over that I have now.
Our fixed term deal runs out in December, and ideally, we would like to remortgage to a better deal, still in both our names, as there is no way I'd be eligible to borrow enough to keep the house in my name only.
Does anyone know if this is possible? Would we need to ideally stick with the same lender, who doesn't ask too many questions, or could we go to someone else?
My worry is that any new lender will be reluctant to give us a new joint mortgage when they see he is paying rent elsewhere and we are not living together - but I am hoping my fears are unfounded....
Then, on a slightly related issue (well still money 
), I have both a life insurance policy and a Payment Protection Insurance Policy which pays me a set amount a month for 12 months should I be unable to work due to redundancy or illness. Between the two of them, I am paying around £50 a month, which I would like to reduce, perhaps by switching to a policy which combines both aspects. Can anyone tell me if there are Financial Advisers who can help with this small, low value issue or is it something I need to do myself really?