What is your take home pay? How much do you owe in bank loans excluding mortgage?
As the watcher says, it is possible to transer the credit card debt to one which charges no interest, thereby making it easier to pay off. Depending on your salary you may be able to get a top up on your mortgage to consolidate the loans. You can arrange with the lender to pay this off sooner than the current life of your mortgage. In this way you pay less interest i.e. shorter term. Personally, I think it's only a good idea if you intend to do this once so that you have more disposable income. Constantly topping up a mortgage, as thewatcher's friend does, to pay for lifestyle is financial suicide.