<human>: Forgive me if this is a stupid question... 

I currently have a home loan that I am repaying with a 5.10% interest rate. We pay well above our minimum repayments ($800+ extra per month) and have repaid 1/3 of the loan. 

My wife is currently on maternity leave and we have a $10,000 loan at 12.9% to purchase a new vehicle that will enable me to increase the income from my gardening business that I run on the side (I work in education so I have regular paid holidays which I use to make extra money as well). We can handle the repayments comfortably and have no other debts and minimal bills; plus the vehicle will allow me to earn extra income and my wife will return to work in six months. We expect to get a minimum $2000 for the sale of our old car and this will go straight back on the loan. 

My

Can you succinctly summarize the text in 1-3 sentences?
<bot>: question is, am I better to redirect some of our extra mortgage repayments to the personal loan with a higher interest rate or will it be better to pay the extra on the bigger loan long term?