Remortgage or debt consolidation?

easyasonetwothree

Hi OP, is there an amount that you feel you could afford to pay for the larger mortgage? Say it's £1k more than you're currently paying - I'd suggest using that £1k to pay down the highest debts instead. At the end of the day your outgoings are the same, but you'll benefit from paying far less on your mortgage overall and that money will be going on the actual debt rather than so much interest.

Keep paying the minimum on the 0% cards and you'll soon be able to tackle them too.

The mortgage calculators on MSE can be quite the eye opener, it's scary how much interest is paid on long mortgages. 

At least think about it.