OP, if you don't pay into a pension, what's your plan for money if you get to the stage where you can't or don't want to work? You say you expect a small inheritance, but the way you spend money, it probably won't touch the sides. Or would downsizing and moving to a cheaper area in 20/30+ years time when you've enjoyed your current home be an option? Have you ever paid into the pension? I was under the impression you had to actively refuse, or else you were automatically enrolled?
But if you started paying into a pension now, you could get in nearly 30 years of contributions by the time you get to state retirement age, which will buy you a very decent pension, given what you have said about working in the NHS at a senior level. Plus, with your income, if you don't pay into the pension, the money you take home will be taxed at 40% (or more if you're in Scotland, plus NI contributions and possibly student loans too, so you'll only see about half of it anyway). Do a take home pay calculation somewhere like listentotaxman.com with and without the pension contribution to check.
So if you don't pay into the pension and don't manage to curb your lifestyle, what are the alternatives? Applying for promotions is good, but the salary jump isn't always that high, especially due to tax deductions. Can you do overtime/bank work - added advantage of you having less time available to spend money.
How long do the loans have to run? Will you be able to live your desired lifestyle on your income without getting into more debt then? Have you finished spending on your home or will you end up wanting to replace things? Are you planning any other big purchases that might mean more debt, like a newer car? Do you have anything you could sell?
Like a PP says, if the loans are high interest, including them when you remortgage might be an option BUT (and it's a big but), extending them over a mortgage length term could cost more, even if the interest rate is lower. Also, you would need to qualify for a larger mortgage (LTV, which if it pushes you into a higher bracket, could make your entire mortgage cost a lot more, also income multiples and affordability) and you must regard it as very much a one off option otherwise you'll probably end up with a larger mortgage and more debt in the future and at some point will spiral into real debt problems.
Then normally a person with debt problems would be looking to enter a formal solution if they can't manage the payments themselves, but they'd be expected to work to a budget, which would be considered quite generous to someone used to scrimping and saving, but you would obviously find very limiting.
OP this is down to you. You're fortunate that you have a decent income and can probably afford a very comfortable life, but your expectations are beyond even this and if you're not willing/able to compromise a little now by starting your pension, you'll be forced into doing so far far more if you can't work when you're much older.