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Mortgage HELP!

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Hi, my partner left me last year and I am currently selling house. I can get a DIP with halifax for 90k on my own . However I have 11k of debt with halifax on credit card, rate is 3.99% for life if the balance. They hve said I need to clear this with the profit from my current house. Is there anyway round this as the credit card rate is good and I wld rather use as much as possible for a deposit and I will still be able to clear debt within 18 months after I move. Any help wld be really appreciated , thks

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