expensive finance onto a lower interest rate as part of the mortgage. This is known as “debt consolidation”.
It might also provide you with the opportunity to release equity, perhaps for an extension, home improvements or the deposit for another property.
It also provides the opportunity to review your financial situation, and make sure you are on track to clear your mortgage as early as possible and/or see if there are any ways of shortening the term.
NOTE: Consolidating unsecured debts into your mortgage may increase the total cost of the debt by extending the term over which it is repaid and by securing the debt against your home it puts your home at risk if you fail to keep up with the repayments.