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"It's been very stressful, I don't know how others manage. I hope that by the time we remortgage again, rates are a lot lower."

She said her divorce proceedings have become drawn out and she is currently unable to remortgage as her husband's name is still on the title deeds of her house.

"My mum said to me, if we have to remortgage the house to pay for the surgery, then that's what we have to do because you can't put a price on your life."

Homeowners are struggling to sell or remortgage as some major lenders are rejecting properties with spray foam insulation, the BBC has found.

She then decided to remortgage her home to start Naturally Tiwa Skincare.