Is a high credit limit with low utilization always good?

System

kingstreet wrote: »

It will make absolutely no difference.

Mortgage lending is much more "broad-brush" than the kind of micro-management people seem to want to employ on here.

Loan to value, time in job, time at address, income/affordability and no adverse credit are the real issues.

And of course, Credit utilisation will be looked at, and indeed be factored in. so.... WILL make a difference. A very small one I grant you, much much smaller than income and time in job etc. But none the less an effect. So "It will make absolutely no difference." is just not true.