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Wyoming is the nation's leading coal-producing state ... and many people are renting their homes through companies like Airbnb. Police investigate suspicious death in Casper CASPER, Wyo. (AP) — Police in Casper are investigating the suspicious death ...

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-1?"ttf":"woff";localStorage.setItem(formatStorageKey,format)}return format}();var fonts=document.querySelectorAll(".webfont");var hinting=fontHinting==="Off"?"":"hinted-"+fontHinting+"-";var urlAttribute="data-cache-file-"+hinting+fontFormat;for(var i=0,j=fonts.length;i0&&alpha-1){"screen";;try{}catch(e){}return true}}setTimeout(function(){setMedia(styleSheet)})}function useCss(){for(var i=0,totalStyleSheetLinks=styleSheetLinks.length;i switch to the US edition switch to the UK edition switch to the Australia edition switch to the International edition current edition: US edition The Guardian - Back to home Make a contribution Subscribe Find a job Jobs Sign in Comment activity Edit profile Email preferences Change password Sign out My account Search News Opinion Sport Culture Lifestyle Show More News US news World news Environment Soccer US politics Business Tech Science Homelessness Opinion The Guardian view Columnists Letters Opinion videos Cartoons Sport Soccer NFL Tennis MLB MLS NBA NHL Culture Film Books Music Art & design TV & radio Stage Classical Games Lifestyle Fashion Food Recipes Love & sex Home & garden Health & fitness Family Travel Money What term do you want to search? Search with google Make a contribution Subscribe Sign in/up My account Comment activity Edit profile Email preferences Change password Sign out US edition switch to the UK edition switch to the Australia edition switch to the International edition Jobs The Guardian app Video Podcasts Pictures Newsletters Digital archive Crosswords Facebook Twitter Jobs Money Property Pensions Savings Borrowing Careers More Mortgages Ask the experts: homebuying Should I consolidate my credit card debt by adding it to my mortgage? Virginia Wallis Share on Facebook Share on Twitter Share via Email Q I have a seven-year fixed-rate mortgage with an interest rate of 4.99%, which is due to finish in October 2010I also owe £6,000 on a two-year fixed-rate mortgage, which is due to finish on 31 December 2009In addition, I have a credit card with an outstanding balance of £3,500 on which I now have to start paying interest. Should I take out a £9,500 mortgage at the end of December to cover the two-year fixed-rate deal and pay off my credit card debt? It will cost me £150 to move away from my current dealOr should I consolidate it in a personal loan? I have approximately £400 surplus a month and am paying interest and overdraft fees that I probably shouldn'tDC A If you are keen to minimise your interest payments, the most sensible course of action would seem to be to use the £400 surplus you have each month to clear your £3,500 credit card debtIf you did this, the debt would be cleared by July 2010 (in just under nine months' time). I certainly wouldn't recommend adding your credit card debt to the second mortgage you have since turning a short-term loan into a long-term loan (which is what your mortgage is) will mean paying interest on it for longer and so making it more expensive in the long run. Also, depending on what rate of interest you will have to pay after December 2009 on the £6,000 mortgage, it may make more sense not to remortgage at that point as the rate you revert to may be less than the current fixed rate. But I do think it is a good idea to leave your main mortgage alone until it is due to finish in October 2010At that point you could consider combining the two mortgage loans and finding a better deal for the total debt you have secured against your property. Topics Mortgages Ask the experts: homebuying Borrowing & debt Property features Share on Facebook Share on Twitter Share via Email Share on LinkedIn Share on Pinterest Share on Google+ Share on WhatsApp Share on Messenger Reuse this content Most viewed Money Property Pensions Savings Borrowing Careers back to top jobs make a contribution subscribe guardian labs about us work for us contact us advertise with us help terms & conditions privacy policy cookie policy securedrop

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