Remortgage dilemma, any advice please?

bertiebile007

:confused: My mortgage of £43530, has 11 years left, (house value £96574), is split £39536 int only, & £3995 repayment, (I can't afford to convert it all to repayment just know), has a fixed rate of 4.79%, which is due to run out at the end of this month, (Sept). My bank has offered; for no fees; 5.75% fixed for 1 year, then a tracker at 0.49% above their base, (currently 5.75% giving 6.24%) for a further 4 years;
or 6.33% fixed for 2 years, (I quite like fixed rates due to stability factor).
I also have credit card debts totalling £16000 approx, at life of balance rates ranging from 3.9% to 4.9% and one being at 5.9%, I estimate I will have these paid in just over 4 years all going well.
I am wondering if I should bother looking for a better deal on my mortgage, than what my bank is offering, (I find it stressfull looking for all these deals), and also does anyone think it would be worthwhile putting my credit card debts on to my mortgage.
I know it's a small mortgage, but I'm getting stressed over this!
Can anyone advise please?