i was in the same boat about three years ago when i bought my house, i found this company the londonmortgagecompany and they sorted everything out i didnt fill any forms in all they did was send me out a few blank forms i signed them and they filled them in, i got a really good deal through them it cost about 495 so not expinsive, if you have enough equity in your house then you shouldn,t have a problem at all