Hi donna, Following your loan enquiry via Choose Wisely, we recommend applying with our trusted partner, Lending Expert. As a homeowner, you can access a wide range of lender products. For the best chance of approval, consider consolidating £24063 to help with affordability checks. Apply here: https://quote.lendingexpert.co.uk/loans?partner=themoneyadvicecentre. Thanks, The Money Advice Centre