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Sub prime whats the score


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Hi guys hoping somebody could help my situation is as follows bought house on a right to buy 3.5 years ago got a mortgage from the leeds bs for the purchase price 51k and also took out a second mortgage with sppl (now mortgage 08 for 22k. Both of these are at high interest
rates with the one from the leeds having just come out of a 3 year fixed rate and going up, the one from sppl has gone down but is still at a very silly rate. I am hoping that you guys will be able to tell me how i can remortgage i have a few late payments to loans and a catalogue that have been payed up to date and on time, i have no ccjs ect but cant seem to be able to get a desent rate and combine the two loans before the interest rates go up. What is the score with sub prime if that is what i am but with just a few late payments is it really that hard to get a mortgage (house valued at 89k owing 71k).Never missed a payment to either mortgage.May have posted in the wrong place.

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