I have a Buy To Let Mortgage….And would like to Remortgage..?

01. My ‘Buy To Let’ Mortgage is with Mortgage Express
02. I have a fixed BTL Mortgage till March 10 fixed at 5.49%
03. They have written to me and said they will Waive the ERC
04. The Early Redemption Charge is £7500
05. However last yes, the tenants ran away
06. I also lost my job at the same time
07. So I missed payments for a few times,
08. However I caught up on these payments
09. I obtained a £101,000 mortgage with a purchase price of £125,000
10. Currently the 3 Bedroom First Floor Flat is valued at £150,000
11. After a drop from £185,000
12. The Current Rental Income is £775.00 Per Month
13. The Current Mortgage Payment is £464.24

So here are my questions:

01. Could I get a Re-Mortgage in this situation
02. I have been told, since I was late on Payments, I cannot
03. Even though I have a legitimate Reason, Will I get penalised
04. I do not want to take any money out of the Property does that help

Lastly, I can be contacted via email on: age@dr.com
for further information. Thanks in advance for all and any assistance