Getting decent loan with outstanding debt

elyl

Hello, first post, hope somebody can give me some advice...

I have outstanding credit card debt of around £4,500, I'm currently paying about £110/month to the credit cards.
I have about £3,500 outstanding from a personal loan, paying about £100/month.
My annual income is £14500, clearing about £950/month.
My Equifax credit score is 515 (excellent, apparently).
I do not have a mortgage.

My plan is to get a low rate personal loan to pay off my credit card debt and also to purchase a new car. I'd need about £10,000 in total. I'm looking at moneybackbank.co.uk for their low rate, and if I borrowed that amount over 5 years, my monthly payments would be about £195 (which I could easily afford).

Now, my question is, do you think I would have trouble getting a loan for this amount? Bearing in mind, I have my CC debt spread over about 5 credit cards, and have available credit on my cards of about £4700. I am going to pay off my credit cards with the loan, but would having this amount of outstanding debt and available credit make it difficult for me to get the loan in the first place?

I hope someone can give me some guidance, as I don't want to waste a credit search on an application if I should do some financial tidying/shuffling first! Thanks.