[pookie]

best go to your mortgage provider first...if you have been over paying you may be able to get some of it out. Rates on a mortgage are miles better than credit card and any other loans. I would be weary on getting an additional loan secured against your property as then your house will be at risk. Have a look at http://forums.moneysavingexpert.com/index.html and maybe post there as they can be very helpful.. Sorry these are my own ramblings hopefully someone will come along with more advice.