Hi everyone,
I need some help please, so here is my story.
Bought a house in the boom, out in the country, for €260,000. Was later contacted by another mortgage provider to re-mortgage, thought this was a brilliant idea, so we consolidated all our loans and remortgaged for €310,000. We both had fulltime jobs, husband was getting shift allowance, but no more. I am currently not working and my hubby is just on basic wages. We have been on "Less than interest" repayments for the past 12 months and I will be sending off the MARP forms again for another 6 months.
We used to love our home, decided to do everything ourselves (was a new build). We did all the tiling, laying lawns, converting upstairs, etc. Loved every minute of it and loved our home so much. We poured our haerts and souls into the place.
But then something terrible happened in our home and now we hate it. We can't stand to be here anymore, everywhere we look is just horrible memories. We desperately need to move out of this house, but we don't know what to do. I fear that it might not be good for our mental well being to stay in this house. I don't want to say what happened here, but it was the most horrible thing anyone could ever imagine.
Here is my problem, the house is not finished yet, ie. skirting boards not up, not finished converting upstairs, burst pipes led to us having to dig up bedrooms and some floors are not replaced yet. So I cannot rent it out, we will definately not be able to clear the mortgage if we try to sell it (I do not think we will be able to sell it in it's current state)
Please can anyone tell me how to go about this?
Thank you so much for taking the time to read this