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First time buyer with credt card

My partner and I have ben saving for about a year. I am employed full time and earn about £27.5K. My partner is a nursing student but also works part time where she is guaranteed a job at the end of her degre in 18 months. I clear about 1450 per month and she is, at the minute bringing about 900 per month. I have a credit card with about £1.5K outstanding and a £350 overdraft, she has a loan at £50 per month due to end at the end of the year. We have £10000 saved and are looking for somewhere in the £85K-£95K band. What are the chances as it stands of us getting a mortgage?

Comments

  • poppy10_2
    poppy10_2 Posts: 6,588 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Clear your credit card and loan first. There's no point saving money while racking up huge interest payments on a credit card.
    poppy10
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    It seems possible.

    However, you will fit into 90% mortgage rates, which are not the most competitive, although they have come down recently.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
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