Hopefully I'm in the right section and somebody can offer an opinion. I have a split mortgage with BOi. 170k in main mortgage paying 4.15% and 60k wearhouses @ 0%. Apartment is worth approx 360k. I am considering moving split back in because I want to repair my credit ( good record paying current arrangement , for at least 5-6 years). I am also considering moving in next 2-3 years. I just wondered if it's the best thing to do? I could also sell and clear that split without paying interest on it and cash in the equity. Any thoughts?