I'll preface all this by saying this is only my opinion, so take with pinch of salt if you wish!
Although the value of your home has increased, I would be reluctant to remortgage so soon. Wait & see what property market does over next while.
Is there any possibility that you could:
1. Take payment break on your mortgage for a few months until your get your SSIAs & clear the loans
2. Take payment break on your loans meaning you'd only have to cope with mortgage while your wife is at home.
Talk to your lenders & see what, if anything, they can suggest.