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Additional borrowing

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Been offered 13k additional onto my current mortgage ( need it for urgent home improvement)

My current mortgage is 3.49 fixed till jan 16

The extra is 5.19 fixed till jan 16. Total cost of borrowing over the remainder is 23,216

In jan 16 can I put this together when remortgaging?

Is this more sensible than a personal loan over 5 years?

I hope that makes sense
Thanks
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