Hiya debt has all been accrued in the last couple of years. 2 X loans with Barclays and Natwest, and credit cards with cap one, barclays and natwest. All are still with original creditors and non are currently in arrears

Hi I'm new to this so be gentle! I've amouted a massive amount of debt in the form of personal loans and credit cards 45k. Ive approached my mortgage provider and they wont remortgage to clear said debt even though I have more than double said debt in equity. My problem is repayments are now killing me and i'm struggling to survive, currently all accounts are up to date but its a struggle. My question is what are peoples thoughts on a secured loan. or going for a dmp to reduce my payments but ruin my credit worthiness in the process. Is it worth putting my home on the line for debt that is unsecured? Is going on a dmp worth all the hassle of phone calls etc from creditors. I could afford 600 per month comfortably on a dmp but at the mo my payments add up to £900 and this isnt sustainable especially as these a barely putting a dent in the credit card debt. Been to see a broker today who found me a secured loan to clear all debt at 7.1% but there is a voice in the back of my head telling me its a bad idea to secure said debt against my house. Which way to go? Any thoughts much appreciated