New mortgage application with cc debt

Spa_gears

I'm looking for some mortgage application advice as I'm a first time buyer and a bit clueless.

We currently live in a flat owned by my husband with about 50k left on the mortgage (it's worth about 3 times this so would have a good deposit).

We want to sell the flat and buy a house together, we've kept separate finances up till now. My husband has about 6k in credit card debt from a period of unemployment which is being paid off but slowly.

I'm wondering how this would affect our application? If he got a low interest loan to pay off the cards would this be worse than the cc? He will also see if he could get a 0% cc to transfer the balance to, he did a noodle credit check and his score was 3.5 out of 5 so I think it's a possibility. Or Would it be possible to use some of the equity when we sell to pay it off? (Is that a stupid question?) I don't have any debt and earn twice as much so I think my score would be good and we could comfortably to afford to pay the new mortgage while clearing the cc debt. Obviously I know it would be better to pay off the debt first (I do have savings) but I would like to look at all of our options. Thank you.

Thrugelmir

Why don't you help your husband to address his debts?

Spa_gears

This is an option, I'm just wary of wiping out a big chunk of my savings and would prefer to sort out the house first but if that's the best thing in the long term I'm fine with it. I just want to know all the options before making a decision.

The more I think about it this probably the best option, writing it down is helping to make it clearer.