I cant give advice on the hospital/medical side of things - but when my DP and I were organising our house loan I was also buying a new $30,000 car. The bank was more than happy for us to roll the two into one house loan (would have meant lower interest rate on my car). In the end we declined as the house was for both of us and the car was only for me. We took out a house loan and a seperate personal loan. I would definately speak to the bank and see what they can do.
Hope you sort this out quickly!