First Time Poster, First Time Buyer!

TheWolverine

Hi Guys,

First time poster needs to ask advice about a first time mortgage!

Me and my partner are looking at buying our first house together next spring (new build on the help to buy scheme)
We have spoken to an independent financial adviser (provided by the house builder) who has confirmed that we shouldn't have a problem getting a mortgage, all he took was very basic salary and debt information and being provided by the house builder I am just slightly skeptical that he is more interested in them securing a reservation than telling 100% truth.

We will be looking at a total mortgage amount of £146,000 (after help to buy) and will have combined around £4000 worth of credit card debt, £1000 remaining on a bank loan and £1000 remaining on car finance at the time of applying for the mortgage. The above amounts are based on paying off as much as we can afford from the debt as it stands at the minute and saving the deposit (£9,600) and another £3000 for any fees, furniture etc. Our credit ratings are in the "good" range, it was just the amount of credit agreements that was bringing it down so we are working at completely clearing things one by one. My partner and I both currently earn £22,000 a year

Now finally, to the questions!
Does anyone have experience of getting a mortgage with similar conditions to the above?
Is it a case of not getting a mortgage at all or being offered one at higher rates based on credit rating, amount of debt?
Is any type of debt considered "better" when it comes to getting a mortgage, ie getting a loan to consolidate credit cards or vice versa?
Does the help to buy affect the mortgage in any way when a decision is being made, is it considered as another debt?

Many thanks in advance.