You said you have a mortgage. Have you been paying that down for a while? Perhaps the value of your house has gone up a lot and revaluation could unlock some more money; or if you have made quite a lot of payments, they may be able to rewrite the loan back to the start? Home loan rates do tend to be the cheapest rates you can get. Little tip on getting finance, don't have a large credit card limit as the bank assesses that as fully drawn even if its not.
In the mean time, see if you can get payment terms for the other bills until you can lump sum pay the rest off.