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No debt, saving for a mortgage, credit card use? Good/bad/indifferent?
Delpy4
Posts: 1 Newbie
Hello all. My wife and I have no debt and are saving for a mortgage. I use a credit card for general spending which I pay off in full every month. Will this cause any detrimental impact on our mortgage affordability or potential. Does using a credit card this way, rather than paying directly from my debit/bank account at the point of spend, have a negative slant for lenders (for example on an affordability statement).. In your experience. Thanks
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Comments
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No in my experience, I was exactly the same
Good luck with your savingMFW 2025 #50: £1989.73/£600007/03/25: Mortgage: £67,000.00
12/08/25: Mortgage: £62,500.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
27/12/24: Debt: £0 🥳😁
27/12/24: Savings: £12,000
12/08/25: Savings: £12,0001 -
Indifferent. Focus on saving.1
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