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    • E&G
    • By E&G 7th Jan 18, 11:08 PM
    • 29Posts
    • 12Thanks
    Credit cards and mortgage application-ready credit file
    • #1
    • 7th Jan 18, 11:08 PM
    Credit cards and mortgage application-ready credit file 7th Jan 18 at 11:08 PM

    I am looking to get my credit file as good as it can be for a mortgage application, probably in April/May of this year. I currently have three credit cards:
    • Barclaycard - Used to balance transfer from previous M&S card. 0% until next month with no additional spending. £1500 outstanding with 4k-ish limit.
    • M&S - transferred balance to Barclaycard last year with no further spending. £6000 or thereabouts limit.
    • Aqua - used as first 0% card until offer expired then cleared c.3 years ago and never used since. Limit reduces every six months or so and is maybe £1000 now.

    Any advice on whether I should keep the M&S and Aqua cards open or not (showing I don't use available balance/I have available balance to use), and whether I should hang off balance transferring my Barclaycard until after any mortgage application would be much appreciated.
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