An obvious idea is to shift credit card and other loan debts on to your mortgage if it's cheaper. On the surface, this looks like a no-brainer. The debt is cheap, and as it's over a long time the amount you pay each month will be lower.
But it's not quite that simple. Technically you are shifting unsecured debt to secured debt, so there's an increased risk of losing your home if you can't repay. We explain this fully in our Shift debts to your mortgage guide.
Plus it could increase your life assurance and other associated mortgage costs, and it might not actually be cheaper. Repaying over a longer period means you end up paying more interest – 5% over 20 years is much more expensive than 10% over five years. Affordability checks have also made it more difficult to increase mortgage debt, so this might not be an option for you.
Don't be totally put off though. If the other routes above haven't worked, it's still worth considering. Do the numbers – especially if you've a flexible mortgage, so you can pay off the debts quicker.