state of finances


Registered User
What is you income?
What are the rates on the different loans/debts?
Do you have any savings that you can use to reduce the debts?
Have you tracked your spending to see if you can budget better?
Sounds like you need to simply stop using the credit card and start living within your means.
Could you get a better deal by switching mortgage lenders?
Consolidating your other debts onto the mortgage may be a (preferably) once off option to get control of your finances but (ideally) only if you schedule the topup for repayment over a similar term to the original loans rather than over the full term of the mortgage.