Mortage and credit card debt

kv11x

We are coming to the end of our current mortgage deal in August and will start looking in May. My partner has 1 card £4895 with 25% interest, another £5317 but cant find the % and £1400 with 5%. Plus car repayments which is not a issue. I have total of £4600 but is currently 0% for about another 2 years and £500 that I run up getting some work done on the house but I should be able to pay that off come payday with overtime I did in December.


What would be better getting a loan out for 2.8% before mortgaging or waiting and trying to add the interest debt to the mortgage?


My partner is on a fixed income and my basic part time contract is enough to make sure the mortgage is always paid and I tend to do 60-80 hours over time a month.

foxy-stoat

I would just shuffle it all onto 0% or low interest rates as much as you can and not make any new credit applications.