When we have reviewed your financial situation we will determine whether or not it is possible for you to relieve your debt stress by consolidating your unsecured debts into your mortgage. We would only suggest this as an alternative if it was sustainable and improved your ongoing situation.
The benefit of this consolidation is normally significant as the cost of credit cards is 20%+ while mortgage finance is in the order of 5% to 6%. It is however important to calculate the overall difference in cost and repayments as a small increase in your mortgage rate on a large sum may outweigh the savings on the credit card interest.
To compare the costs and repayments use the mortgage calculator to determine your new cost and compare it with you existing costs and repayments.