Debt consolidation

• A list of every debtBalance, rate and monthly payment for each
• The total interest under both optionsAsk for it both ways, over the full term
• Your property value and current balanceIt is limited by equity, and usually capped below the full value
• The penalty if you are breaking a mortgageIt belongs in the comparison, because it is part of the cost of doing this

General guidance, not advice on your own situation. The person you hire decides what applies to it.