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Remortgage: increase loan and buy a car?

hi

i've just been it with a £100 increase per month in my mortgage from intelligent finance any advice what to do next?

my house is worth approx 220,00, my current mortgage is approx £142,00 and i earn close to £38,000

i have an offset mortgage with IF and about £18000 in savings, although i have about £10,000 owing on the cards, my wife would like to buy a new car and within 3 years i would like to buy my daughter a house for university

my thoughts were to increase the mortgage to 150000,
pay off the cards and to buy a car with the savings - any thoughts and where would it be best to seek advice ( i have been to the usaul sources and they differ on the best buy at the moment)

help greatly appreciated

ps - this is not my usual log in - i am on another computer and cant work out how to delete this ID
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