what credit card companies are willing to set up a loan to replace credit card balances to allow those struggling to cut down on interest rates and ease situation?

Mortgage express are trying to shed mortgages unfortunately if I continue after the fixed rate period I will go onto self certified variable rate. Would it be wise for the next couple of years to do this rather than look around for another product. The problem is that they wont allow you to swop to another of their products but will allow you to ...