Found a Lender who is ready to help me

As, I have mentioned, I was finding it difficult to find a bad credit remortgage lender. After weeks of searching, I have found a new lender who is ready to help me. He didn't agree to me intially, but after hours of conversation, he has accepted to pay the amount in the existing loan to old mortgage provider.

The best thing about the new lender is that the remortgage interest rate is 3% less than the old remortgage interest rate. I am sure that remortgage is the only way to lower my repayments. Calculation suggest that I can save around 20,000 Euros every year from the new lender. My home equity has also increased by 40,000 Euros.

The only thing that worries me is that if I have found the lender before two weeks, then I wouldn't have sold my car. But now, my car is gone.