Shifting a loan to a credit card advise please

Subvertjase

I am looking some advice from more experienced folk in this area.

We have a load of £5000 for home improvements which we stretched across the time of the mortgage to make it affordable.

I am not in good circumstances regarding salary etc. I have heard of credit cards that offer deals like 4.5% on term of debt.

I am thinking of clearing the loan by moving to a low interest credit card as I know I can now pay this off far quicker than the 18 years left on our mortgage so this is one option I am looking at.

Any advice, hints tips, dos and don't would be gratefully received.

Many Thanks

Jason.

CLAPTON

things to think about

a. to get a good low LOB CC you usually need a good credit record

b. you may not get a high credit limit so you might not be able to BT all the 5k across

c. what is the APR of the mortgage?

d. you will need to pay 2.5% or above of the balance each month .. can you afford this?
and you usually pay a BT fee of say 3%


e. most CC don't allow you to BT from a loan only another CC so you need to consider how you actually get the money from the CC.

f. why not simply over pay on the mortgage instead