My income is around 140k a year. I have an existing mortgage of around 465,000 at 4.79 % and the property is valued at 1,000,000. I have a car loan 25k and a personal loan18k both around 10 and 12 % I need an extra 90k to remove my ex from the title of the property and would also need 20k to complete cosmetic renovations on the house. I need to consolidate all this into 1easy low rate loan with all the facilities offset etc. What are my options and can my borrowing power facilitate this loan?.