Change in credit utilisation before completion

Woot1990

Morning all, hoping you can help as you have so kindly done before.

I'm currently in the process of buying a flat with mortgage offer etc received and planned exchange/completion date of 27th nov/11th dec. I need to purchase a new sofa and had originally planned to do this on finance, though as many have pointed out I would be unwise to do this before completion due to the change in my credit record. 

My question is whether using an existing credit card would cause an issue? I currently have 2 cards with around £12k combined limit and currently £0 balance on both. I would only be looking to spend around £800 but worried the change in credit utilisation would potentially flag if the lender credit checked again. Given the lead time for sofas I would ideally like to get this ordered ASAP, however as its only a month (hopefully!) to completion I would rather wait if it will cause issues. 

Many thanks on advance for your help!

MovingForwards

It's honestly not worth the risk of having your mortgage offer withdrawn.
Wait until you get the keys in your hand, after completing.

[Deleted User]

As long as you're clearing in full with each statement, it's very unlikely to be an issue.  Lenders don't expect you to stop spending money.