Please let me know if its best to get a loan or keep transferring between 0 % credit cards, i am not great at transfering more than the standing order each month but concerned that a loan will affect me when I come to re-mortgage...

Any ideas???

Hi, Really there's no difference between a loan or the cards - borrowing is borrowing is borrowing. It really does depend on your situation and you'll need to sit down and do the maths as to which will benefit you in the long run. A third option is to get a cheap lifetime balance transfer card - have a look at the Magpie's article here.