A little advice RE mortgage and loan?

I983

Hi all, i first got a mortgage 5 year ago now and didn't really know much about them. I went to a advisor and she sorted me out with one with Northern Rock but was split into 2, about a £105.000 motgage and about £20.000 loan on the same terms as the mortagage as this is how they worked it, I took them both over 35 years.
Fast forward to now and i'm now on a tracker mortgage with c&g 2% above base rate and now over 25 years. The problem is i've still got the 20k loan hanging over me still with Northern Rock (or whoever has taken over from them) and i'm paying out about £170 a month which is hardly touching the loan and just paying off the intrest. I can't really afford to pay much more, maybe an extra £50 a month, which would take me forever to pay off. It's really bothering me when i get my statements in and notice the debt hardly budging. Is there anything I could do to pay it off quicker and actually pay some of the debt off instead of just interest?
Thanks in advance for any advice or suggestions.

powerwin

This is not professional advice ...

Out of interest what is the interest rate on the Northern Rock loan? I'm just wondering whether you could slow down your mortgage repayments in order to pay the Northern Rock loan off more quickly.

Rgds

I983

The rate is just over 5% on the loan

Thrugelmir

Long term debt will take time to budge. Start with the £50 per month overpayment. Over time you will see the impact as the monthly interest charges reduce.