Fifth tip: compare your mortgage with online mortgage proposals. Interest rates have been jumping up and down lately and many considered refinancing their mortgage. You probably went for the best mortgage conditions when you bought your home, but are these conditions still the best on the market.
There are many banks and institutions who will give you a free mortgage quote on simple request. Just go online and look around. Most website turned asking for mortgage quotes very easy by making use of web forms. Simply fill in some data and the mortgage proposal is on it's way!
Remortgage with bad credit is one option if you have financial difficulties. There are many institutions online that are ready to give you further advice and free quotations, but you can also talk to professionals independent specialists in these matters.
I think we can safely amuse that for most the home mortgage is the most important loan they have. It's the longest running and most expensive loan because we are mostly talking about a serious amount of money. Reasons enough to shop around, especially when you observe the interest rates for mortgages.
But again, always read the small print and ask professional advice before taking further steps and making important decisions.