For starters I should say, I can afford every payment I have coming out but ideally I want to make one payment instead of several so I can pay more to the principal and less in interest. This is just where I’m at and I want to clean things up if I’m able. Assets: House owner of 1.5 years $350k mortgage - $10k of the principal is paid. Boat/ side by side/ travel trailer (all second hand and paid in full) $25k Vehicle - paid off. Worth $10-$15k Debt (other than the balance of my mortgage): Credit cards $5500 - 14% interest Renovations loan $19k - 19% interest 🥹 Personal loan $15k (my husband and I were young and dumb with our credit when we first met and are still paying for it here!) - 14% interest \*aprox $40k total\* Do I see if the bank will consolidate? (banks quoting me a 9% interest rate right now) OR Do I apply for a line of credit and essentially consolidate myself, also being quoted at or around 9% interest right now. \*\*I do not want to use our home equity at this point in time, we plan to sell in the next 2 years and I don’t want to jeopardize us being able to do that What are the pros and cons to each? I did have an appointment with our bank but our rep had to write down all of our questions, said she’d get back to us & never did. Just hoping for some financey people to share their opinion and advice before I go back. My spouse and I make decent money and we are managing our debt fine right now but the interest I’m paying monthly kills me inside and I just think we could be paying less and saving more. In a perfect world I win the lottery and pay everything off cash in hand, but it could be a while before that happens!🤣 🤞🏻

I have over 100k between my chequing and TFSA accounts spread between several financial institutions. I am looking to do some consolidation and was wondering if any financial institution offered perks for having over 100k with them which I know is not a lot but I am looking to maximize the benefit of the consolidation if possible. Thanks.