Hi there,

This is a really good question, as often what is the cheapest (in terms of the cost to service the debt) is not necessarily going to lever the most in terms of affordability.

Unfortunately there is no exact science and much will depend upon the state of the world next year in addition to if you are going to need a specialist lender vs high street equivalent.

Overdrafts tend to impact affordability less, but a specialist lender would not like to see it being never use of any overdraft and especially not if highly utilising the overdraft.

The catalogues are likely to be costing more (and hitting affordability harder) and therefore these would be worth working on if you can.

If you can get any of the low card balances onto a 0% or lower interest rates this will mean paying the same will at least pay more off each month.

Well done for thinking about this now and best of luck with the move..