Hi Tim,

Adding it to your mortgage will definitely definitely end up costing you more. Although the APR may look attractive, due to the 'term' of 35 years, you will end up paying a fortune back.

Either have a look on this site, or contact your own bank. If you can afford the repayments, something like a £5k loan should be repayed over 3 years. This will keep the interest that the loan gathers to a minimum.

Tim