advice needed on reducing mortgage and loan term and interest..

COOLTRIKERCHICK

i am looking at ways to .... reduce length of mortage and to lessen the interest...

this is what we owe.... with out the credit cards etc..

there is 13 yrs of our mortgage left... we owe just under 22k....£233.37 p.m.

halifax has just put their rate up so we are now paying halifax standard variable rate of 7.250 %

we also have a loan which is now apprxo 18k with 8 years left to pay....£278. p.m i think its 6.9 %

do i over pay ....10% allowed overpayment...on the mortgage.... and carry on with the loan as it is..

or do we re-mortgage the whole lot.. over a longer term... and overpay.....

or take out a personal loan for say 8 or 10 years ...for the mortgage amount..

what do you think.... any suggestions.... on which way you wo