hello experts,

i have been offered a loan of 25000 on 13.9% by my bank hsbc. i want to use it for paying off my debts and getting some financial discipline back to my life. would you please let me know that:

is this a good deal, i want to pay back in 18 months

should i be borrowing more so that i can pay the debt of and use the rest for paying deposit for another mortgage, is this realistic

any help would be very welcome.

thanx ali