Buying my council home

Linzimain87

So I'm trying to buy my council home. With my discount applied I need a 71k mortgage I'm buying it alone.my mortgage advisor  just applied for a mortgage with nation wide last night for me. All they asked for was two months payslips two bank statements and proof I get pip.i keep an eye on my credit report and there's no blemishes on my file I do have just over 9k of credit card debt I'm currently paying off. All payments up to date. Will this reflect bad on my mortgage application my income is roughly 28k a year.im terrified I'm Gona get rejected lol

ACG

If your application is in, then you have passed the credit check. 

Nationwide tend to be ok with reasonably large balances, so long as you are not up to the limit. If your available credit is say £15k, then you are only using about 60% of your limit. If your limits come to £10k, they are not as good. 

That being said, you will presumably have a low LTV and all things combined your not exactly hitting your maximum borrowing capacity so I think you will be ok. 

Linzimain87

Thanks so I had a text to say application was in so does that mean credit check ok? So their  Gona be looking at my affordability then? My house value is 80k and I'm buying it for 71k so I'm hoping that works in my favour.