I've got a little debt and about to buy a house! Very nervous and worried need some advice!

Thrugelmir

Spaz19961 said:

csgohan4 said:

you generally can borrow x4.5 of your gross income not including debt, play around with affordability calculators found on various lenders websites. 

Without further info it will difficult to assess, debt? Income? CCJs e.t.c?

Overall credit card debt is around 4000 which I don't think is huge but the fact the balance on the 2 has majority of the balance gone. That's what worries me.

When you say "payments". Are you just making the minium payment payment requested? 

Spaz19961

colinlondon said:

I have been with Natwest for 15 years and we are a first time buy we had an appointment with a mortgage adviser and spent 2 hours and then got told that sorry we cant get a mortgage i said why he said we can refer well after waiting 2 weeks to hear he just fobbed me off so i work for a solicitors firm in London and got a mortgage adviser through my work and with 30 mins off taking all my details he went away and an hour later we had three mortgages the best one was Santander 5 year never go to the bank as they only or in most case offer there products and they may not offer and are not the cheapest i wish i had done it sooner as i wasted 2 weeks but if you would like the information of a good mortgage broker and solicitor just message me back they are both good i would never go to NatWest i would stay well clear none of there staff are fully trainer or no anything regarding there products 

Thanks so much, We went onto L&C and have been given some brillaint offers. We've been in touch with a local area broker too and hopefully have the ball on the go now. Your comments have helped so much x

[Deleted User]

Spaz19961 said:

Currently convincing my partner to go, he wanted Natwest for the pure fact we bank with them and felt they could offer us a good deal. I've got a number on the back burner ready to go if all else fails. But thank you so much for the advice x

Natwest give cheaper deals to clients who come via a broker than they do for people that go direct to them.   Loyalty doesnt pay in this day and age, it actually costs you money to be loyal. 
You could still get a Natwest mortgage if your partner wants one, but it will be cheaper to do it through a broker