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NRAM Separating the Together Mortgage

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My husband got (miss) sold one of the Together Mortgages circa 2006. The total lone was £96000 which consisted of a Mortgage of £77750 and the remainder on an unsecured loan.


We are currently looking to remortgage from interest only and start paying the property off.


We haven't been able to get a straight answer from NRAM on a couple of things:


The flat cost £86000, so some of the unsecured loan went towards the mortgage portion of the house. Does this now mean that part of our flat is owned (mortgaged to) NRAM and another part to another company? Or does this mean that we actually have some equity in the flat now , and the unsecured loan with the other company is now independent to that of the mortgage. We asked them if the Mortgage and Unsecured loan were now independent of each other and got a mixed answer. Will this make it easier to remortgage as are very uncompetitive? Their lack of clarity on this matter doesn't make dealing with them very easy.

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