can I pay off the balance on my credit card using equity in the house ?

[stripes11]

can I pay off the balance on my credit card using equity in the house ? Currently on a mortgage fixed term till 2021.

Depends how much equity you have. You can take out additional borrowing on your mortgage but the rules are stringent for debt consolidation.

www.lemonfool.co.uk/financecalculators/soa.php

it's not a good idea to change unsecured debt to secured debt usually.
could you fill out the Statement of Affairs using the link, then get over to moneysavingexpert.com , go to forums, then debtfreewannabe , you will get the best advice!

It's never a good idea to replace a unsecured debt with a secured one. If you are struggling with debt repayments there are other ways to resolve it. Try the pay plan website they have a tool to determine the best way to pay off debts www.payplan.com. They are very non judgemental it you phone and talk to them and if you use their services they don't charge.