Should i take out homeowner loan to pay a high interest unsecured loan, or should i consolidate in my mortgage?

Please take care when changing anything with your mortgage, as not many people are aware that if the value of your property drops below 90% of your mortgage loan, the lender has the option to request a payment in the form of a lump sum to correct this back to the 90% level. Abbey are one such company looking at this situation, but as yet have no plans to invoke such a move, but are keeping this option open.