It's exactly as a mortgage, isn't it?

It's exactly as a mortgage. It's a second mortgage.

It's exactly like getting a new mortgage.

It's a new bank.

No, it's in an additional complexity because there are two mortgages with two banks.

When they approve what they are asking for. When they approve, they pay.

And before Christmas I was approved in principle.

Then they do a credit check on me.

They check the house because of the setup of the...

I don't understand the tenants in common or joint tenancy of the ownership of the house made a complication.

Until we sorted that with our solicitor to change the nature of the way we own the house,

I had missed payments on my credit card because I don't have money.

And my credit score has gone down.