I hope this is helpful and answers your question.
If you have any other questions, please ask me before you rate my service – I’ll be happy to respond.
many thanks for your quick reply. To be honest I'd struggle to repay £15k or so over even 18 months - what would be the case if I asked for 36 months for example, would it be flatly refused and I'd end up in court or similar?
My income is a little complicated - I now own my own property outright, but I have an online business where income is very much up and down. We've only been in the new property for a few months, so our expenditures haven't settled down just yet to get an accurate picture.
Thanks for the info - right now I'm weighing up asking family for a loan, etc etc... My own fault as I spent a bit more on a new house than I was intending, thought I'd have more left at the end of the year than I will.
Anyway, question answered - many thanks :)