And That’s How I Survived PRESS RELEASE

1108
3680

SEXUAL MINORITIES UGANDA

PRESS STATEMENT

FOR IMMEDIATE RELEASE

Sexual Minorities Uganda has today Launched a report titled “And That’s How I Survived Being Killed”:the report contains testimonies of human rights abuses from Uganda’s sexual and gender minorities.

The report is intended to document the many forms of prosecution that LGBT identifying individuals in Uganda face in the hands of the society

In this report, based on first-hand testimonies, Sexual Minorities Uganda documents the physical threats, violent attacks, torture, arrest, blackmail, non-physical threats, press intrusion, state prosecution, termination of employment, loss of physical property, harassment, eviction, mob justice, and family banishment that are all too often apart of the lived experience for sexual and gender minorities in Uganda.

This report has documented 264 verified cases of persecutions of LGBT individuals based on their sexual orientation or gender identity. Of the 264 cases documented in this report 48 involved acts of violence, including 35 cases involving physical threats or violent attacks, and 13 instances of torture by the state. The largest proportion of documented cases involved intimidation, with 84 cases, while 73 involved loss of property (including loss of employment, physical property, and eviction), and 59 involved social exclusion (including discrimination when accessing healthcare, community discrimination, and family banishment) — all of which the Ugandan government has failed to investigate.

For further information please contact
Grace Waitherero
Public Relations
Sexual Minorities Uganda
on
Communication.smug@gmail.com
or
0392174432

1108 COMMENTS

  1. I don’t even know how I ended up here, but I thought this post was great. I don’t know who you are but certainly you are going to a famous blogger if you are not already 😉 Cheers!

  2. girls are genius when it comes to mixing the art of dancing and the art of becoming attractive at the identical time.|The suit described the abuse suffered by girls at the northern Minnesota

  3. U1Zels very handful of internet sites that take place to become in depth below, from our point of view are undoubtedly well worth checking out

  4. Wow! This could be one particular of the most beneficial blogs We have ever arrive across on this subject. Actually Wonderful. I am also a specialist in this topic so I can understand your hard work.

  5. Wow! This can be one particular of the most useful blogs We ave ever arrive across on this subject. Basically Fantastic. I am also a specialist in this topic therefore I can understand your effort.

  6. whoah this blog is wonderful i love reading your articles. Keep up the great work! You know, many people are searching around for this info, you can aid them greatly.

  7. Link exchange is nothing else but it is only placing the other person as webpage link on your page at suitable place and other person will also do similar in support of you.

  8. I will right away grab your rss as I can at to find your e-mail subscription hyperlink or newsletter service. Do you ave any? Kindly allow me recognize so that I may subscribe. Thanks.

  9. I think other website proprietors should take this site as an model, very clean and wonderful user genial style and design, as well as the content. You are an expert in this topic!

  10. I was recommended this website by my cousin. I am not sure whether this post is written by him as no one else know such detailed about my trouble. You are incredible! Thanks!

  11. “Great work! This is the type of info that are meant to be shared around the web. Disgrace on Google for not positioning this put up higher! Come on over and visit my site . Thank you =)”

  12. This awesome blog is really educating and also factual. I have discovered many handy tips out of this amazing blog. I ad love to visit it over and over again. Thanks a bunch!

  13. Normally I do not learn article on blogs, however I wish to say that this write-up very pressured me to try and do it! Your writing style has been amazed me. Thanks, quite nice article.

  14. Write My Paper – EssayErudite.com

    Looking for an expert to [b][url=https://essayerudite.com/write-my-paper/]write my paper[/url][/b] for you? You are at the right place.
    Providing superior writing service appears to be our main specialization and passion.
    Our website is the best destination for every English-speaking student who calls for assistance when handling his or her daily academic tasks.

  15. Write My Essay – EssayErudite.com

    Fed up of typing “who can write my essay” in the search bar?
    Would you like to have a reliable helper always by your side?
    Our website will come as an excellent solution to write my essay

  16. Buy Essay – EssayErudite.com

    Where to Buy Essay Online ? Our experienced writers can boast higher degrees in addition to exceptional writing skills. You now have a great chance to [b][url=https://essayerudite.com/buy-essay/]buy essay[/url][/b] papers online with only a couple of clicks.

  17. Best Essay Writing Service at EssayErudite.com

    Looking for the [url=https://essayerudite.com/best-essay-writing-service/]best essay writing service[/url] can turn into a pain in the neck especially if you are not an experienced essay buyer.
    EssayErudite.com is well known among students from the USA, UK, Canada and Australia.
    We provide a superior writing assistance and handle all types of academic papers ranging from dissertations and thesis statements to reviews and coursework.
    Whatever the challenge is, you can always count on us.

  18. EssayErudite.com is the web’s leading provider of quality and professional academic writing.
    When it comes to essay writing, an in-depth research is a big deal. Our experienced writers are professional in many fields of knowledge so that they can assist you with virtually any academic task. We deliver papers of different types: essays, theses, book reviews, case studies, etc.
    We have thousands of satisfied customers who have already recommended us to their friends. Why not follow their example and place your order today?

  19. Sources Wow! Thank you! I always needed to write on my blog something like that. Can I implement a fragment of your post to my blog?

  20. It as not that I want to copy your internet site, but I really like the pattern. Could you let me know which style are you using? Or was it especially designed?

  21. You made some really good points there. I checked on the net for more information about the issue and found most people will go along with your views on this web site.

  22. Wonderful article! This is the kind of information that should be shared around the web. Shame on Google for now not positioning this post higher! Come on over and seek advice from my site. Thanks =)

  23. Very nice post. I just stumbled upon your blog and wanted to say that I ave truly enjoyed browsing your blog posts. After all I all be subscribing to your feed and I hope you write again soon!

  24. What as Happening i am new to this, I stumbled upon this I ave discovered It positively helpful and it has aided me out loads. I hope to contribute & help other customers like its helped me. Good job.

  25. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You definitely know what youre talking about, why throw away your intelligence on just posting videos to your blog when you could be giving us something enlightening to read?|

  26. It’s the best time to make some plans for the future and it is time to be happy. I have read this post and if I could I desire to suggest you some interesting things or advice. Maybe you could write next articles referring to this article. I desire to read even more things about it!|

  27. Hmm it seems like your site ate my first comment (it was extremely long) so I guess I’ll just sum it up what I wrote and say, I’m thoroughly enjoying your blog. I too am an aspiring blog blogger but I’m still new to everything. Do you have any points for rookie blog writers? I’d genuinely appreciate it.|

  28. Wonderful blog! I found it while searching on Yahoo News. Do you have any tips on how to get listed in Yahoo News? I ave been trying for a while but I never seem to get there! Appreciate it

  29. This is a really good tip especially to those fresh to the blogosphere. Brief but very accurate info Thanks for sharing this one. A must read article!

  30. What as up all, here every person is sharing these kinds of familiarity, thus it as pleasant to read this web site, and I used to pay a visit this website all the time.

  31. Sites we recommend Excellent blog here! Also your website loads up fast! What web host are you using? Can I get your affiliate link to your host? I wish my site loaded up as quickly as yours lol

  32. I’а†ve read several good stuff here. Definitely price bookmarking for revisiting. I surprise how so much effort you put to create this kind of great informative web site.

  33. Wow, awesome blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your site is great, let alone the content!

  34. I just want to say I am all new to weblog and certainly loved you’re web page. Probably I’m planning to bookmark your blog post . You amazingly have terrific stories. Cheers for sharing with us your blog site.

  35. At this time it seems like WordPress is the top blogging platform available right now. (from what I’ve read) Is that what you’re using on your blog?

  36. Wow, fantastic blog layout! How long have you ever been running a blog for? you made running a blog look easy. The overall look of your site is fantastic, let alone the content material!

  37. “Wonderful work! This is the kind of information that are meant to be shared around the internet. Disgrace on Google for now not positioning this put up higher! Come on over and seek advice from my website . Thank you =)”

  38. I think other website proprietors should take this website as an model, very clean and magnificent user friendly style and design, let alone the content. You are an expert in this topic!

  39. It is really a nice and helpful piece of information. I am satisfied that you just shared this helpful tidbit with us. Please stay us up to date like this. Thank you for sharing.

  40. This is really interesting, You are a very skilled blogger. I have joined your feed and look forward to seeking more of your magnificent post. Also, I have shared your web site in my social networks!

  41. I truly appreciate this post. I ave been looking everywhere for this! Thank goodness I found it on Bing. You have made my day! Thanks again!

  42. Particularly helpful outlook, many thanks for writing.. So happy to possess found this post.. My personal web searches seem total.. thanks. So happy to get found this article..

  43. Wow, awesome blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your site is wonderful, let alone the content!. Thanks For Your article about sex.

  44. Thank you for another wonderful article. Where else could anyone get that kind of info in such a perfect way of writing? I have a presentation next week, and I am on the look for such info.

  45. Thanks a lot for sharing this with all of us you actually know what you are talking about! Bookmarked. Please also visit my site =). We could have a link exchange agreement between us!

  46. This is really interesting, You are a very skilled blogger. I ave joined your feed and look forward to seeking more of your wonderful post. Also, I have shared your web site in my social networks!

  47. Nice blog here! Also your web site lots up fast! What web host are you the use of? Can I get your associate hyperlink for your host? I desire my website loaded up as quickly as yours lol

  48. Spot on with this write-up, I absolutely feel this site needs a lot more attention. I all probably be back again to read more, thanks for the information!

  49. Hey there! This is my first comment here so I just wanted to give a quick shout out and say I really enjoy reading through your articles. Can you recommend any other blogs/websites/forums that cover the same subjects? Appreciate it!|

  50. I discovered your blog website on google and verify just a few of your early posts. Continue to maintain up the excellent operate. I simply extra up your RSS feed to my MSN Information Reader. In search of forward to studying extra from you afterward!…

  51. I’m not that much of a internet reader to be honest but your blogs really nice, keep it up! I’ll go ahead and bookmark your website to come back later. Cheers

  52. It’а†s in point of fact a nice and useful piece of info. I’а†m happy that you just shared this useful information with us. Please stay us informed like this. Thank you for sharing.

  53. iаЂа›?Splendid post writing. I concur. Visit my blog for a free trial now! Enjoy secret enlargement tips. Get big and rich. Did I mention free trial? Visit now.

  54. Merely a smiling visitant here to share the love (:, btw great pattern. Better by far you should forget and smile than that you should remember and be sad. by Christina Georgina Rossetti.

  55. Wow, incredible blog layout! How long have you been blogging for? you make running a blog look easy. The whole glance of your web site is wonderful, as well as the content!

  56. Hey! Someone in my Myspace group shared this site with us so I came to give it a look. I’m definitely loving the information. I’m book-marking and will be tweeting this to my followers! Superb blog and superb design and style.|

  57. На нашем ресурсе via-sexgra.ru вы можете заказать [url=http://via-sexgra.ru/]где купить виагру в москве цена[/url] или лучшие дженерики по самым низким ценникам в Российской Федерации.

    Доставка виагры осуществляется абсолютно анонимно в стандартном почтовом конверте, так что никто из вашего окружения не будет догадываться о вашем увлечении таблеточками.

    Виагра и распространяемые нами дженерики на сто процентов безопасны для здоровья!

  58. excellent put up, very informative. I’m wondering why the other experts of this sector do not notice this. You should continue your writing. I am confident, you’ve a huge readers’ base already!

  59. Hi there, simply become aware of your blog via Google, and found that it is really informative. I’m going to watch out for brussels. I’ll appreciate for those who proceed this in future. Many other folks shall be benefited from your writing. Cheers!|

  60. This is really interesting, You are an overly skilled blogger. I have joined your rss feed and look forward to in the hunt for more of your wonderful post. Additionally, I have shared your site in my social networks|

  61. This message is posted here using XRumer + XEvil 3.0
    XEvil 3.0 is a revolutionary application that can bypass almost any anti-botnet protection.
    Captcha Recognition Google, Facebook, Yandex, VKontakte, Captcha Com and over 8.4 million other types!
    You read this – it means it works! 😉
    Details on the official website of XEvil.Net, there is a free demo version.

  62. We are a group of volunteers and starting a new scheme in our community. Your site provided us with valuable info to work on. You’ve done a formidable job and our whole community will be grateful to you.|

  63. Pretty section of content. I just stumbled upon your weblog and in accession capital to assert that I acquire in fact enjoyed account your blog posts. Anyway I will be subscribing to your augment and even I achievement you access consistently fast.|

  64. Excellent beat ! I wish to apprentice while you amend your website, how can i subscribe for a blog site? The account helped me a acceptable deal. I had been tiny bit acquainted of this your broadcast offered bright clear idea

  65. [url=http://clonidine.zone/]clonidine generic and brand name[/url] [url=http://cephalexin.reisen/]cephalexin 250mg capsules[/url] [url=http://buystromectol.reisen/]stromectol[/url] [url=http://tetracycline.tools/]buy tetracycline antibiotics[/url]

  66. I think other website proprietors should take this website as an model, very clean and great user genial style and design, let alone the content. You are an expert in this topic!

  67. [url=http://buy-lipitor.reisen/]buy lipitor[/url] [url=http://buy-lipitor.store/]lipitor[/url] [url=http://zithromaxonline.pro/]website[/url] [url=http://levitraprice.pro/]levitra[/url]

  68. [url=http://clonidine.zone/]buy clonidine[/url] [url=http://buy-cialis.reisen/]viagra levitra cialis[/url] [url=http://retina.directory/]click for source[/url] [url=http://seroquel.directory/]when will seroquel xr go generic[/url]

  69. [url=http://doxycyclineprice.us.org/]doxycycline price[/url] [url=http://hydrochlorothiazide12.us.org/]hydrochlorothiazide5mg[/url] [url=http://erythromycin500mg.us.org/]erythromycin generic[/url]

  70. [url=http://cheapvardenafil365.us.com/]vardenafil[/url] [url=http://viagra247.us.com/]viagraonlineusa[/url] [url=http://colchicine247.us.com/]buy colchicine[/url]

  71. [url=http://cheapvardenafil365.us.com/]cheap vardenafil[/url] [url=http://effexorxr.us.org/]order effexor online[/url] [url=http://cialis365.us.com/]buy cialis[/url]

  72. [url=http://trazodone247.us.com/]trazodone 100mg[/url] [url=http://fluoxetine247.us.com/]buy fluoxetine[/url] [url=http://hydrochlorothiazide12.us.org/]hydrochlorothiazide[/url]

  73. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.|

  74. [url=http://buyprednisolone.store/]prednisolone[/url] [url=http://buyvardenafil.reisen/]buy vardenafil[/url] [url=http://tadalis-sx.store/]buy tadalis[/url]

  75. [url=http://buydiclofenac.shop/]continue reading[/url] [url=http://cephalexin.reisen/]cephalexin 250mg capsules[/url] [url=http://tadalis-sx.pro/]generic tadalis sx[/url]

  76. [url=http://methotrexate.schule/]buy methotrexate online[/url] [url=http://sildalisonline.pro/]sildalis[/url] [url=http://tetracycline.tools/]buy tetracycline antibiotics[/url]

  77. [url=http://cephalexin250mg.us.org/]Cephalexin 250 Mg[/url] [url=http://trazodone247.us.com/]trazodone hydrochloride[/url] [url=http://colchicine247.us.com/]Colchicine With NO Prescription[/url]

  78. [url=http://viagra247.us.com/]Generic Viagra Online[/url] [url=http://lisinopril20mg.us.org/]order lisinopril online[/url] [url=http://cymbaltageneric.us.org/]cymbalta mastercard[/url]

  79. [url=http://nexiumonline.pro/]nexium[/url] [url=http://buy-crestor.work/]crestor[/url] [url=http://avodart.store/]avodart[/url] [url=http://allopurinol.reisen/]allopurinol[/url]

  80. [url=http://cipro500mg.pro/]cipro[/url] [url=http://citalopramhbr20mg.store/]citalopram hbr 20mg[/url] [url=http://buy-ampicillin.store/]ampicilin[/url] [url=http://indocin.world/]indocin generic[/url]

  81. [url=http://buytadalis.store/]tadalis sx[/url] [url=http://buymethotrexate.shop/]methotrexate[/url] [url=http://buydiclofenac.shop/]buy diclofenac[/url] [url=http://cipro500mg.pro/]cipro 500mg[/url]

  82. [url=http://bupropionsr150mg.us.org/]bupropion online sr[/url] [url=http://doxycyclineprice.us.org/]buy doxycycline[/url] [url=http://cymbaltageneric.us.org/]Cymbalta Generic[/url]

  83. [url=http://effexorxr.us.org/]effexor[/url] [url=http://fluoxetine20mg.us.org/]Fluoxetine 40 Mg[/url] [url=http://cheapvardenafil365.us.com/]vardenafil hydrochloride[/url]

  84. [url=http://bupropionsr150mg.us.org/]Bupropion[/url] [url=http://viagra247.us.com/]generic viagra online[/url] [url=http://doxycyclineprice.us.org/]doxycycline without a prescription[/url]

  85. You actually make it seem so easy with your presentation but I find this topic to be really something that I think I would never understand. It seems too complicated and very broad for me. I’m looking forward for your next post, I will try to get the hang of it!|

  86. [url=http://buy-advair.reisen/]advair[/url] [url=http://viagrapills.pro/]viagra canada price[/url] [url=http://buy-bupropion.store/]bupropion[/url] [url=http://avodart.store/]avodart[/url]

  87. [url=http://furosemide20mg.pro/]furosemide[/url] [url=http://methotrexate.schule/]methotrexate[/url] [url=http://sildenafil.mba/]sildenafil[/url] [url=http://tadalis-sx.pro/]tadalis sx[/url]

  88. My spouse and i ended up being now fortunate John could finish up his reports from your ideas he was given from your own weblog. It is now and again perplexing just to possibly be giving freely tips and tricks which usually other people might have been selling. So we acknowledge we’ve got the website owner to give thanks to because of that. The type of explanations you’ve made, the straightforward site navigation, the relationships your site aid to foster – it’s most unbelievable, and it is assisting our son and our family understand the concept is fun, and that is really serious. Thank you for the whole lot!

  89. Today, I went to the beach with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!|

  90. [url=http://trazodone247.us.com/]trazodone 100mg[/url] [url=http://fluoxetine247.us.com/]fluoxetine 20 mg[/url] [url=http://indocin247.us.com/]indocin online[/url]

  91. [url=http://hydrochlorothiazide12.us.org/]hydrochlorothiazide[/url] [url=http://fluoxetine247.us.com/]order fluoxetine[/url] [url=http://erythromycin500mg.us.org/]erythromycin online[/url]

  92. [url=http://bupropionsr150mg.us.org/]bupropion sr 150 mg[/url] [url=http://colchicine247.us.com/]COLCHICINE ONLINE[/url] [url=http://trazodone247.us.com/]trazodone 100mg[/url]

  93. Remortgage with Bad Credit If you are a homeowner and need to raise cash for something – for example, a new car, a holiday or home renovations – a remortgage is an excellent method of releasing capital in an existing property. You can often also obtain a better deal at the same time, making it a win-win situation. However, if you have suffered financial problems since your initial mortgage was obtained, you might find that certain doors are now closed to you, and that might include the door to your current lender. As your circumstances have changed, the fact they gave you your initial mortgage is no guarantee they will agree to offer a remortgage deal. Even if they do, the terms they offer might be less favourable than your current deal. Having an adverse credit score can be an obstacle and present a real challenge to be overcome. If you are in this position take heart, as a bad credit score does not necessarily mean that you’ll be unable to remortgage your property. There are likely to be options available to you. To help you understand the situation, let’s first take a look at why lenders might be unwilling to offer you a remortgage deal. Bad credit calculator Find out if you can get a mortgage with our new calculator. Check here Why Might Lenders Be Unwilling to Remortgage? Most high street lenders will look upon bad credit remortgage applications in the same way they’d consider, and probably turn down, initial mortgage applications from people with bad credit. From a financial standpoint, a history of bad credit or an existing bad credit score is indicative of poor money management skills, and this makes those applicants a high risk for lenders. However, as with most things involving finance, there are a number of truths and myths which can become blurred. The biggest misconception is that the answer to a bad credit remortgage application will always be a resounding ‘no’. In truth, most homeowners will be able to obtain a remortgage deal, even with a number of credit issues on their record, such as: Missed or Late Payment Debt Management Plan Discharged Bankruptcy Defaults (a series of missed payments) County Court Judgments (CCJs) Individual Voluntary Arrangement (IVA) Every case is judged upon its own individual merits, which means we can’t guarantee remortgaging with bad credit will be possible. However, having said that, while each adverse credit event represents a black mark on a person’s credit record and has an impact on their credit score, none of them should be considered an immovable barrier to obtaining a remortgage deal. Can I get a bad credit mortgage? We Can Help Today How does a credit score work? Your credit score is the result of an assessment of financial and other information gathered about you by Experian, Equifax and Callcredit – the three main credit reference agencies that operate in the UK. They get their information from two main sources: other lending companies that have agreed to share data about their customers, and public records. Lending companies share information including how much a customer is in debt to them, how promptly they pay their bills, and if they pay in full, and whether their credit cards are maxed out. The information gathered from public records includes details of adverse credit events such as CCJs, bankruptcies and IVAs, plus information held on the electoral roll. High street lenders interpret this data in line with their own criteria and arrive at a credit score, based on which they will say ‘yes’ or ‘no’ to a remortgage application. If the decision isn’t clear cut, they might say ‘yes’, but charge higher fees and/or a higher rate of interest. They do this for two reasons; to offset what they see as an additional risk and because they know they can, as borrowers with a poor credit rating have fewer options than those with an exemplary record. What is my credit rating? Finding our your credit rating is easy. Find out your credit report Adverse credit events stay on a person’s record for six years, after which they are removed. In the majority of cases, even if the six year period isn’t up yet, the further in the past something is, the less impact it will have on your credit score and therefore on a lender’s decision. However, even after they have ‘dropped off’ the record, if you are asked about certain types of adverse credit event – such as a previous bankruptcy or property repossession – you must declare it. While there are options available to those with an adverse credit score looking to remortgage a property, it is always recommended that you look to improve your credit score wherever possible. How does a credit score work? There are some positive steps you can take that will improve your situation and encourage lenders to look more favourably upon your application. Arguably the most important thing you can do is to improve your credit score. Improving your credit score is a continuous process, not something that can be achieved overnight – you must persevere with it to get results. However, if you are taking the right steps, you will soon begin to see some small improvements. Having a healthy credit score will make a huge difference to your future financial dealings. We always recommend speaking to a qualified adviser with regard to putting together a plan to improve your credit score; however, there are some immediate actions you can take to put your credit rating back on track. These include: Get a copy of your credit report from each of the UK’s three credit reference agencies – Experian, Equifax and Callcredit – and check that the details they hold are correct (they may hold different details, so do get your report from all three, not just one) Regularly update the personal details held on your credit report Make sure you are registered on the electoral roll Keep track of your credit card balances; ideally try to always pay more than the minimum to drive the balance down, and take care not to go over your agreed credit limit Use your calendar to make sure you pay your bills on time and manage your monthly income Cancel all lines of credit that are not in use, such as store cards or ‘just in case’ credit cards (but see below for an alternative option) Build up a positive credit history; for example, if you have a credit card that you don’t use, rather than cancelling it, use it at least once a month, perhaps for buying petrol or groceries – but make sure you pay it off in full every time, don’t build up additional debt Resist the temptation to take out payday loans, as they are considered to be a red flag showing that you cannot manage your finances month to month Moving forward, leave any good debt on your report For more suggestions as to how you can repair your credit rating, check out our page of simple tips. Additional actions to take Something else to bear in mind if any missed payments show on your credit record is whether they were due to events outside of your control. If, for example, your employer went out of business, leaving you financially stranded, then you should contact each credit reference agency and explain what happened. They have the ability to add a note of correction to your credit file explaining the circumstances, which may well mitigate the effect of the default on future credit decisions. There are other things you can do that, while they do not in themselves boost your credit rating, will help you to avoid falling into future difficulties, and perhaps to pay things off faster. For example, take on some freelance work or a second job, or look for a job that pays more or is closer to home (so you save money on commuting). Make sure you aren’t paying more than you need to for things like your mobile phone, cable TV, fuel and broadband, and if you have a gym membership but can’t remember the last time you were there, cancel it. The more you have left after paying your bills, the better your chances of passing the affordability test. What is the affordability test? Every application for a mortgage or a remortgage is subject to an affordability assessment, and this is the case no matter what the credit status of the applicant might be. Potential lenders will look at income versus expenditure, taking everything into account, to arrive at a debt-to-income ratio. Since June 2014 the Financial Conduct Authority’s recommendation is that the debt-to-income ratio should be no higher than 45 for an offer of a mortgage or remortgage to be made. If you want to do a quick, rough calculation to see where you stand, then: make a list of all income you will receive over the year and divide by 12 (if all your income comes in monthly, just add it up) add up all your monthly bills – mortgage, credit card, etc. – then list all your other bills, whether quarterly, annual or whatever; add the monthly cost of these additional bills to your original total divide your monthly expenses by your monthly income and multiply the answer by 100, which will give you your debt-to-income ratio, expressed as a percentage The lower the number, the better. You can lower your debt-to-income ratio by either reducing your debt or increasing your income. What if you can’t wait for your credit score to improve over time? For those in need of a more immediate remortgaging solution, there are specialist lenders who work with applicants with low credit scores, offering deals that cannot be obtained from high street lenders. So if your need is urgent and you are asking yourself, ‘Can I remortgage with bad credit?’ the answer is ‘yes’. Get in touch today for free initial advice and no-obligation quotes from our team of experienced bad credit brokers. How can we help? Just Mortgage Brokers have experience of working with property owners at all levels, from those who are relatively new homeowners to highly experienced landlords with extensive property portfolios. We also have unlimited access to the UK mortgage market and many years of experience of working with a network of bad credit lenders across the country. That means we are not restricted to products from any one particular lender but can work with a diverse range of specialist lenders to secure the remortgage deal you require. This combination of impartiality and unlimited market access gives us the very best chance of obtaining a competitively priced bad credit remortgage. We know exactly where to turn to find a mortgage to suit the particular needs of each and every client, regardless of their credit history. If you have a history of bad credit and are looking to remortgage a property, speak to Just Mortgage Brokers today to get the right deal for you.

  94. [url=http://viagra247.us.com/]Viagra Online[/url] [url=http://cheapvardenafil365.us.com/]Generic Vardenafil[/url] [url=http://trazodone247.us.com/]50 mg of trazodone[/url]

  95. [url=http://doxycycline100mg.us.org/]doxycycline hyclate[/url] [url=http://fluoxetine20mg.us.org/]fluoxetine 20 mg[/url] [url=http://cheapvardenafil365.us.com/]Vardenafil[/url]

  96. [url=http://doxycycline.shop/]doxycycline[/url] [url=http://diclofenacgel.pro/]cost of diclofenac[/url] [url=http://tadalafil.reisen/]tadalafil[/url] [url=http://wellbutrin.shop/]buy wellbutrin xl[/url]

  97. [url=http://buystromectol.reisen/]buy stromectol[/url] [url=http://buy-antabuse.reisen/]buy antabuse online without prescription[/url] [url=http://tetracycline.fund/]tetracycline[/url] [url=http://strattera.shop/]strattera[/url]

  98. [url=http://buy-bupropion.store/]buy bupropion[/url] [url=http://cephalexin.reisen/]generic for cephalexin[/url] [url=http://buystromectol.reisen/]how much does ivermectin cost[/url] [url=http://buy-elocon.reisen/]elocon generic[/url]

  99. [url=http://erythromycin500mg.us.org/]erythromycin online[/url] [url=http://viagra247.us.com/]generic viagra online[/url] [url=http://fluoxetine20mg.us.org/]Purchase Fluoxetine[/url]

  100. [url=http://doxycycline100mg.us.org/]Buy Doxycycline 100mg[/url] [url=http://cephalexin250mg.us.org/]cephalexin[/url] [url=http://viagra247.us.com/]GENERIC VIAGRA ONLINE[/url]

  101. Hi there I am so excited I found your blog page, I really found you by accident, while I was researching on Aol for something else, Anyways I am here now and would just like to say cheers for a remarkable post and a all round entertaining blog (I also love the theme/design), I donít have time to go through it all at the moment but I have saved it and also included your RSS feeds, so when I have time I will be back to read much more, Please do keep up the great job.

  102. [url=http://cialispills.us.org/]Cialis Pills[/url] [url=http://cephalexin250mg.us.org/]buy cephalexin online[/url] [url=http://hydrochlorothiazide12.us.org/]hydrochlorothiazide[/url]

  103. [url=http://viagrasoft.shop/]viagra soft[/url] [url=http://sildalis.store/]sildalis[/url] [url=http://azithromycin.fail/]buy azithromycin with no prescription[/url]

  104. [url=http://viagra247.us.com/]Generic Viagra Online[/url] [url=http://effexorxr.us.org/]Order Effexor Online[/url] [url=http://cheapvardenafil365.us.com/]purchase vardenafil[/url]

  105. [url=http://costofviagra.store/]over the counter viagra substitute[/url] [url=http://retina.directory/]retin-a[/url] [url=http://buy-sildenafil.reisen/]sildenafil[/url] [url=http://amoxicillin875mg.pro/]amoxicillin 875 mg[/url]

  106. [url=http://cephalexin250mg.us.org/]Buy Cephalexin[/url] [url=http://bupropionsr150mg.us.org/]recommended reading[/url] [url=http://cheapvardenafil365.us.com/]VARDENAFIL[/url]

  107. [url=http://buystrattera.reisen/]price of strattera[/url] [url=http://furosemide20mg.pro/]furosemide[/url] [url=http://levitraprice.pro/]read full article[/url] [url=http://buy-sildenafil.reisen/]buy sildenafil[/url]

  108. [url=http://cialis365.us.com/]order cialis[/url] [url=http://hydrochlorothiazide12.us.org/]hydrochlorothiazide[/url] [url=http://doxycycline100mg.us.org/]Doxycycline 100 Mg[/url]

  109. [url=http://retina.fund/]retin-a[/url] [url=http://buytrazodone.shop/]trazodone drug[/url] [url=http://triamterene.live/]triamterene[/url] [url=http://kamagra.fund/]kamagra usa[/url]