pay off credit union, personal loan etc

I'm thinking of asking the bank for a top-up on my mortgage in order to pay-off my credit union and personal loan. Do you think this would be a good idea? Some people have told me that I would pay less interest by topping-up my mortgage. I would be looking at getting €40,000 top-up. I'm also in fixed rate mortgage for another 2 years and have been quoted €12,000 breakage costs so would be thinking of adding these costs to the top-up also. your advice would be greatly appreciated.

That doesn't sound like a good idea for a number of reasons. €12,000 is a huge cost to break your fixed rate motrgage, far more than any interest you're paying to the credit union or the bank.
If you top up your mortgage, you will probably be paying it back over a much longer term than your loans, so you will end up paying more in interest.
If you need to reduce your loan payments, why don't you talk to the credit union and the bank.