I am in a bad position, during Covid I didn’t get furlough and was also in hospital for a while with Covid myself and now have debts and one default. I need to fix my mortgage but the rates I am being offered are double what I am paying now just because of one default on my credit file. I pray for a miracle to find a lender or broker who can help me get a rate under 4.5% if possible. My credit file was affected and now the mortgage is going up and up I dont want to lose our home because I cannot afford the payments. I need urgent prayer and I need a car, been without a car since June now and it is not easy as I live in a small town and am a carer in the next town. Please pray for miracle help from God. Thank you.