£40,000 loan needed

chris-j

Since you have 2 loans already which based on payments given are probably over 4 years, it strikes me that it will be more sensible to keep these running and get a new loan from bank for £15000 to cover the credit cards - at £290 per month you should be able to get something over 4 - 5 years. So for same payments you clear debts within 5 years.
Issue with this is that you need to avoid temptation to run up debt on these credit cards again and with your new daughter I suspect this will become much more difficult.
If you do decide you need to consolidate the whole lot, I would suggest to bump the whole lot onto your mortgage and try to keep mortgage payments as low as possible - easier to overpay mortgage in future than a loan + although everybody should like to be mortgage free, if you did not have mortgage you would probably need to pay similar amount in rent.

Brenster

£5K of your debt is interest free, why would you want to move this ?
I would see if you can expand your interest free borrowing and move as much as you can onto this. Then I would put the remainder on your mortgage.

Then clear the 0% before the term ends. and when that is cleared, get another 0% credit card and transfer say £6k from your mortgage to that and pay off, and so on.... that way you are reducing your mortgage by £6k year on year, and not paying interest on the amount on credit card.

Oh and on the IVF, well done, we went throught the same and were successful on our 3rd go, still tackling the debt now but nearly their !