Remortgage advice - Anyone got a calculator!

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OK, quick summary. Have a mortgage with Abbey part repayment part IO, coming out of benefit from 5/12/05. Car loan with Abbey and an endowment.

The current monthly costs from December will be

Mortgage £1005.86
Loan £275.18
Endowments £108.20 & £54.70.

The thought is would I be better off using the endowments to settle the loan and reduce mortgage amount outstanding a little, then convert whole mortgage to repayment.

Details

All values as off today.

Mortgage outstanding £170222 (90K on IO), deeds release fee £225
Mortgage term left 17yr 3m.
Best mortgage offer from Abbey BofE+0.49%. Booking fee £399.

Loan. £14000 taken over 5yrs at 6.9%APR. Costs £275.18 per month.
32 payments left. Settlement figure £8208.94

Endowments. Scottish Amicable (Now Pru).
£65,000 ends 12/2021, surrender value £10240.77. Costs £108.20 p/m
£33,500 ends 07/2023, surrender value £4069.20. Costs £54.70 p/m
Received Amber alert.
Projected values as of 12/2004
4% 64,200 6% 82,500 8% 106,400

House Value 285k
Income 1, 45k basic. Income 2, 15k basic.

Any help steering though this lot would be appreciated.

KTF

I have put together a spreadsheet that will help you compare the cost of repayment remortgage deals. It wont take into account the loan though but if you want a copy, post a reply here or sent me a PM with your email address and I will send it to you.