This forum was the best thing I ever did, the debt has been like a horrible secret we have been keeping and not wanting to own up to and despite leading a frugal lifestyle for 3 years with no holidays etc I would recommend to anyone in the same position to bring it out in the open and seek advice and not try to fight the fire yourself thinking that you will eventually come good and be able sort it all out.

I have been to my existing lender Britannia and have been offered a drawdown of £65000 11yrs and 2 months extra £598 per month. This is on top of the £335 for next 8 yrs and 1 month on the remaining £27000 of existing mortgage. Only need valuation fee £65 and thats all.

So summing up will be paying £933 per month (reducing in 8 years) repayment mortgage £65K + £27K as opposed to the current mortgage and debt payment of £1983 per month which we struggled to keep up .This way will be mortgage and debt free in 11 years 2 months and light at the end of the tunnel.

The mortgage adviser I saw said I will never top this 0.95% above base and also get about £80 per year loyalty bonus with them.

Wanted to thank you all for helping to rescue me greatly appreciated.