FTB with current debt - help!

kpey

We are FTBs with approx. £32k debt. We are buying a £275k house from family for £220k. All in all (inc. stamp duty etc) we would need to borrow £256k.

Total gross earnings are £58k p.a. plus we have a current lodger who pays £415 pm (so just under £5k p.a.) (we actually already live in the house we are buying)

My credit is spot on (999/1000 per experian last week) and my OH's is OK.

I have been looking at FTB mortgages online but some criteria is "house purchase only" or "house purchase + legal fees"

Question is - will lenders allow FTBs to consolidate all other debt on a mortgage? We would be borrowing 93% of property value (this would be our only lending once sorted).

Any advice much appreciated!

kpey

Has anyone any idea about this? Just don't want it to disappear off the front page without any response!