My name is Phillip Davis. I am a mortgage broker with 30 years experience in finance. I specialise in seeking mortgage finance and refinance loans, for those who have had difficulty in obtaining mortgage loans for a home, or refinancing home mortgages away from a mortgage lender whose mortgage or loan terms are too harsh or difficult. You may have too many short term loans and need to consolidate them into one mortgage loan. This can sometimes result in halving the monthly repayments on such short term loans. If you have a serious tax problem, it may be possible to incorporate the tax debt into your mortgage home loan. If you have a new business which is showing real signs of success, but is in need of a financial injection, I may be able too raise the finance by incorporating it into your home mortgage, but depending on the circumstances, the money may be able to be raised without using your home mortgage.