we recently refinanced our mortgage to BAnk of Melbourne last february 2018 (after about 2.5 yrs in westpac) with basic package to pay it off sooner and decrease our repayment and wasnt keen at that time to consolidate the rest of our debts. Our mortgage was $311k from westpac and our house was valued at 450k by BOM (wasnt physically inspected, no one came to see the house). We included my CC to the mortgage which we are back to 320k mortgage now in BOM but still at less than what we were paying in westpac. We are paying extra now fortnightly (mortgage currently 316k). we are still able to pay on time with little extra for us but sometimes can be tight on budget as well. Now, we are thinking of consolidating the rest of our debts as split account under home loan as we want to decrease our debt and hopefully pay off faster so we can buy our IP soonest. (Split loan) It wasnt discussed during our application as i didnt know it until recently. Would it affect my credit history if I apply for split loan too soon the same bank? Im open to opinions and suggestions. Thanks in advance! Other info: combined income before tax 140k, 2kids, 2 cars on loan 8k (1more yr to finish) &10k(2more yrs to finish), personal loan 16k, 2 CC 8k&2k(my fault im back to 8k again w/ same CC consolidated ), 1 Cc interest free 3.5k.