Hi! We need to refinance our two mortgages both currently 4.06% each (land/build) and consolidate credit card debit. We are a single income household with 2 dependents under 4. Our steady weekly income is $2000. The weekly budget breakdown for ALL bills is $2000+ (please take into account I have broken down monthly direct debits in this total too so we know exactly what is owing on each) as a result our account is overdrawn most weeks or we are making late payments on some bills and incurring fees. Our bank will not help us until they have seen 6 months of clean statements and this is impossible for us as we cannot pull ourselves out of this debt rut without some form of consolidation so we can finally get on top of our debt. We need a broker who is experienced in this type of situation who has lenders that will look at the bigger picture and see that by helping us refinance/consolidate we are more financially viable and see that from our income once the debt is consolidated we can service the loan with no financial strain. Please ask if you need more info regarding our finances as I have everything broken down ready to go, we are very serious and committed to making a change for the better I hope someone can help us. Thanks.