Sarah W said:What are the respective values of your home and the flat?
You may also reduce the mortgage term on the new remortgage to 20 years which could result in dramatic savings on Life Assurance depending on your age . You may have given up the fags since you got your last assurance out.
The car loans (payable over the lifetime of the mortgage ) are only about 5% of the value of the properties I am guessing, pfffft .
Depending on the lender, you should then be able to split your new mortgage so you can repay the car loan over 3-5 years.
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