Do credit cards, personal loans or car finance impact the amount I can borrow on a mortgage?

The amount you can borrow is based on your affordability (this takes account of your income and outgoings each month). Each lender assesses affordability in a slightly different way and our advisers will be able to assess which lender is best for you. Any credit you already have is likely to impact affordability to some extent - this includes loans or leases, credit cards and other store cards.