Hi Gary,
I've been dare, done that and have got myself in a tizzy on how to pay it off fast etc.
This is what I done although I'm sure alot of posters would not agree, but it def. suited my personal circumstances.
I went back to my mortgage provider approx 9 months after I had taken out my mortgage and applied for a Mortgage Top-Up. Most lenders will allow this once you have sufficent equity in your home and of course showing that you can make the repayments In my case my mortgage including top-ups could not be more than 80% of the value of my home although all lenders use different percentages. It is usually given at the same rate as your mortgage and you can choose the repayment terms, in my case I had a choice of anything from 5 to 25 years.
As I said this is what suited my personal circumstances at the time and I prefer to think I owe all my mortgage type debt to one financial institution than having various loans to 2/3 different lenders.
Hope this helps.