What to pay down first

A question about : What to pay down first

I'm due to come into about Ј2k after some stock stuff matures which should make a reasonable dent in my debt, but I'm unsure as to what to try and clear first.

I've got:
~Ј15k on 0% balance transfer cards, which get moved around approximately annually, costing about 3-4% a time.
~Ј9k loan @ 6.9%, fixed payments.
~Ј94k mortgage @ 3.99%, fixed payments. I'm at about 90-100% LTV so a long way from getting a better mortgage deal.

Obviously the cards are highest risk, as if I can't get a transfer offer I'm looking at the fat end of 30% APR. The loan is the highest current APR but the mortgage will save me the most in the long run as I'll save on 30 years of compounded interest.

I keep switching between plans, currently looking at splitting it 50/50% loan/credit cards and leaving the mortgage until the loan is cleared. That would knock about 6/7 months off the loan term, and I can leave the credit card money in a savings until one of the 0% deals is about to finish to stooze something like 0.1% of it back

So what would you do/recommend?

Best answers:

• Whack it all on the interest fee card balance if you are not confident that your zero percent deals will be renewed or if you have not reduced your Ј15,000 debt enough in recent years.
  If you are confident that you can keep swopping the zero percent deals, pay it all on the loan.
  I would look where you were 2 years ago and where you will be in 2 years time and make a judgement.
  Very little point in chucking Ј2k into your mortgage when you have Ј24K in unsecured debts.
• That's a very high CC balance, I would pay off as much as you can.