You wouldn't appear to have much room for manoeuvre.
Say that the bank agrees with your valuation of €450k, then (assuming that they will give you a maximum mortgage of 92%) you could release €37k and pay off all the credit card debt of €10k, the overdraft of €4,700 and reduce the CU loan to under €15k.
But I'm not sure if that's a runner-based on the valuation and your income-some of the brokers who contribute may have some views.
You could try getting a new credit card with 0% balance transfer rate so at least the interest is frozen (of course you should not be making purchases on this new card)-but again, I'm not sure if you would be approved.
Assuming that the bank says no, you have to look at how you spend the other 40% of your net pay.
Are there areas of expenditure (phone, TV, broadband, car, mobile phone, entertainment, insurance) that are essentially discretionary and can be cut out or curtailed?
Have you looked at ways of reducing your grocery bill?
Where do you eat during the day?
Could you approach the CU and see if you can renegotiate the personal loan repayments in some way to allow you to tackle the credit card and overdraft debts?
Are you currently adding to the credit card or overdrawn balances?
Have you a plan for allocating payments in order of priority (credit card first, then overdraft)?