Re-mortgage advice & Debt Consolodation

af84

Hi,
Hope you're all well.
I have a fixed rate 2 year mortgage that is due to expire in March 2021.
It was 95% LTV (Purchase price was £137,500) - To date, I owe £129,400 - Fixed rate expired March 2021. 

1) I'm concerned that I won't have enough equity in the property for a LTV 90%, to get a better interest rate (Currently 3.xx%) - Am I likely to struggle for a good deal based on what equity I have and with lenders possibly tightening the criteria with the impact of COVID? How do the lender's value the property? It was originally listed for £155k and I knocked them down to £137.5k as they wanted a quick sale. Paying the standard interest rate is going to have a big impact on my expenses. 

2) I have a 15k unsecured loan - would it be possible to consolidate this into my mortgage, or will it be a complete no-no, based on the LTV?

Thank you everyone - this is my first remortgage so all new to me

Much appreciated. 

Thrugelmir

First port of call is to see what follow on products your existing lender offers. This is the cheapest and easiest option. A £15k loan maybe a challenge to consolidate. Both from a reluctance of the lender and the available equity. Any spare cash you have should be paid into the unsecured loan. While letting the mortgage take care of itself. 
What term did you take the mortgage over originally?