Yes!
If you are currently living month-to-month you simply cannot afford to borrow any more money. Full stop.
So where to go from here?
This is what I would do if I was in your shoes:-
- Sell the Dublin apartment and use to net proceeds to pay off the car loan and attend to the most urgent jobs on your current house.
- Switch mortgage provider ASAP. You should be able to reduce your mortgage rate by around 1.5%.
- Open regular saver accounts and put money aside every month to fund the house extension/move. Check out the "Best Buys" section for the best rates.