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Can you get a mortgage with £25,000 of credit card debt?

Eleanor Newis
Oct 25, 2018

If you haven’t missed any payments, but your credit card debt is still £25,000, can you apply for a mortgage?

Many people use credit cards to build up a good credit score, as well as to help with bigger purchases.

Whilst paying your bill every month shows you are in control of your spending, you should be aware these cards could affect any mortgage applications you make.

Nationwide building society say that if you’re not planning pay in full each month you should ‘aim to keep your borrowing across all of your credit cards below 25% of the total limit’ to be an acceptable mortgage applicant.

Making a full mortgage application will also mean you will face questions about your credit card spending. Be prepared to answer these questions and also to provide copies of your statements.

The lender will also ask about your regular expenditure and income in order to decide if you will be able to afford a mortgage combined with your other financial commitments.

If you’re looking to get a mortgage with your spouse or partner, it’s worth noting that you can get a joint mortgage without one partner’s bad credit score affecting the other’s credit score.

A financial link will be recorded on both your files if you get a joint mortgage, but your credit scores won’t be affected.

If one of you has credit card debt but the other has no debt, having both of you on the mortgage could mean that your proportion of debt repayment to household income would be lower. This is another factor considered by mortgage lenders so is worth thinking about.

Whilst large credit card debts could present obstacles to getting a mortgage, by being savvy you can still find ways to make buying your first home possible.

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