Currently separated from my wife, in a large part to do with the discovery of hidden debt. I thought I'd found it all but have recently discovered new developments. Firstly a CCJ has been given for a debt, and she is making steps towards paying that back. Secondly, she's defaulted on a loan of approx £8k from the same bank that we have our mortgage with. This has been passed over to debt collectors now. She's also got a debt management plan, for other debts. I don't know why the two above weren't included in the DMP as it was set up before the CCJ and debt collectors, respectively, moved in.
The thing is, I don't want to sell our house just now. I'm a SAHM to small children. In a couple of years I should be in a position to take my half of the house equity and qualify for a mortgage on my own. But if we sell up and split the proceeds now, my share will get counted towards my UC claim (after 6 months I believe). I won't be ready in 6 months to take a mortgage on alone as I need to do some return to work type training to secure a high enough wage, which is why I'm currently sticking with UC.
Our mortgage renewal is due at the end of this year. I'm usually happy to renew with our current provider as they've always been competitive. Will the above debts affect our ability to renew with our current provider? I know that they'll affect applications to new providers.