What to pay down first - balance transfer, loan or mortage?

Herzlos

I'm due to come into about £2k after some stock stuff matures which should make a reasonable dent in my debt, but I'm unsure as to what to try and clear first.

I've got:
~£15k on 0% balance transfer cards, which get moved around approximately annually, costing about 3-4% a time.
~£9k loan @ 6.9%, fixed payments.
~£94k mortgage @ 3.99%, fixed payments. I'm at about 90-100% LTV so a long way from getting a better mortgage deal.

Obviously the cards are highest risk, as if I can't get a transfer offer I'm looking at the fat end of 30% APR. The loan is the highest current APR but the mortgage will save me the most in the long run as I'll save on 30 years of compounded interest.

I keep switching between plans, currently looking at splitting it 50/50% loan/credit cards and leaving the mortgage until the loan is cleared. That would knock about 6/7 months off the loan term, and I can leave the credit card money in a savings until one of the 0% deals is about to finish to stooze something like 0.1% of it back :j

So what would you do/recommend?

Foxy-Stoat_3

Whack it all on the interest fee card balance if you are not confident that your zero percent deals will be renewed or if you have not reduced your £15,000 debt enough in recent years.

If you are confident that you can keep swopping the zero percent deals, pay it all on the loan.

I would look where you were 2 years ago and where you will be in 2 years time and make a judgement.

Very little point in chucking £2k into your mortgage when you have £24K in unsecured debts.

stator

That's a very high CC balance, I would pay off as much as you can.