Advice needed - will loan impact mortgage application

Peaches113

Reposted from Loans forum - Have a tendency to over explain so going to try and keep this simple. I’m looking into commuting costs (£800 a month or £8k for a year, yes it’s extortionate). Previous employers have paid this but new one is increasing salary to accommodate. I don’t really want to move to a new area with lower costs so currently that isn’t an option.
I don’t currently have £8k free to front the cost but I have found a pre approved zopa loan at 3.3% apr that I could repay over 12 months making the monthly cost £700, and so lower than the monthly train fair charge.
My only worry is that I will be looking to purchase a property in the next 5 -6 months, how much of an impact would this have on a mortgage application? It would mean the proposed monthly mortgage and loan payment would take 50% of my monthly salary which I have budgeted for. i am single with no children and I have no other debt (I do have a horse who also costs me about £350 a month :eek: ) so what do you think? Will getting a loan scupper my chances of a mortgage?
Option b would be to pay the train fair monthly until I get said mortgage and then get the loan so I can take advantage of the £100 a month saving, however obviously this will mean spending an extra £600 over those 6 months.
Thanks for reading and appreciate any advice!

Typhoon2000

Pay the train fare as needed till you get a mortgage.