You are not alone as many posters have same dilemma so my response is as follows:
1) Clear the credit cards first as they have highest interest rate or switch them to 0% interest
2) As you have a credit union loan, i assume that you have money locked in here so i would try get that loan down asap to release the cash that is locked in.
3) From there take the next highest interest loan and pay it off
4) Start a daily record and record every penny you spend and then on a weekly / monthly basis try to spend less month on month. Try to save more each month and that is the challenge
5) Get rid of sky, broadband, cut back on outgoings, go to work with packed lunches , shop in lidl, aldi etc... every means to cut outgoings is key to getting into a savings mode that a mortgage group will need to see before they give you a mortgage
Best of luck