Hi Usha,

If the prime unsecured lenders are saying 'no', you really have 3 options:

1. Go to a near prime/sub prime unsecured loans broker such as UCC - you may end up with a rate higher than you already have though.

2. Remortgage and pay your debts off - This could cause an ERC (Early Redemption Charge) and you will end up paying more for the debts in the long term.

3 Secured loan - If you keep the term short e.g. 5 years, this could be your best option.

Let me know what you think.

Kind regards,

Tim