Can you speak to your bank, I know that some banks have a 12 month "materinty period" where you can take a 12 month break from mortgage repayments when you get pregnant, I know that St Goerge have this but Im not sure about other banks.

On the personal loan side of things, when you move to the shed will you rent out your house? and will the rent cover the repayments on your mortgage and the personal loan?

Or can you refinance you mortgage for extra money as the interest on this is definately lower than a personal loan