Hey folks, was looking at finances earlier, I currently have; 1) Car loan (approx 11k left) 2) Credit card (lowish balance, around £1100) 3) Mortgage (approx 145k) for the next 28 years term. Anyhow, at what point does it become sensible to borrow out, lets say, 15k against the above, pay the car loan, credit card, and block pave the front (that's been needing to be done for a while). Many benefits there, including the house exterior pretty much done (already done the back etc) the front driveway is awful, but there are downsides, another 15k lumped on the mortgage... Albeit monthly wise it only adds around £55 vs the £225 for the loan per month I currently pay. Anyone done the same? We have been at this house nearly 5 years now, the possibility of moving is always there most likely a part ex with a new home, as unlikely my work circumstances at the moment would give us the scope to sell privately and 'upgrade' to a bigger house privately. That said, we could likely be here a couple of years or so more at least.