Not wanting to make any assumptions about why you're asking the question of course, but there are two very useful pages on the Shelter web site addressing two very common issues facing mortgage payers:
The Motley Fool web site is awash with financial advice as well, covering almost every eventuality, but aimed largely at those who want to save and invest their own way to better cirumstances:
Also worth a look (not least because they're free and not trying to push you into expensive and inappropriate debt consolidation loans):
The Consumer Credit Counselling Service 0800 138 1111
though it may be your own experience, it's non-sense to suggest that all IFAs are only interested in those with millions to spare. However, if Lolo wishes to track an IFA down it is likely that only the first consultation will be free and subsequent advice will be based on an hourly fee or commission. It is difficult to find a truly 'independent' advisor who will research the whole market for the best mortgage deals - do some research on www.unbiased.co.uk. It may also be worthwhile having a look at www.moneysavingexpert.com and checking out the mortgage info offered there.
John Charcol won't. They will arrange you a mortgage, and then charge you once the new mortgage is in place. See their website:
'During your discussions with an adviser, you will discuss and agree the level and type of remuneration that John Charcol should receive up to 1.5%. This is only payable if you choose to go ahead and arrange your mortgage with us. If you decide not to proceed, or other circumstances arise where your mortgage application is unsuccessful, you will not be charged a penny for the work carried out on your behalf. So importantly, you are free to meet an adviser for initial discussions on an obligation-free basis.'
So, I suggest you give them a call and go for a meeting. They'll be able to make suggestions to you. You can then probably go directly to the relevant lender and save their fees.
Before you do that, I suggest you give your own mortgage company a call. It will cost you £1,000 or so to move your mortgage. You may be able to remortgage through them instead, and you'll save most of that £1,000.