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Mortgages and Credit Cards

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Hi There,

We're trying to get our ducks in a row to apply for a mortgage and I just wondered if anyone could tell me what the ideal scenario regarding credit cards is.

I'm working on the basis that the less outstanding credit card debt, the better as we'll be able to borrow more money on a mortgage, but if we were to clear the credit cards and then have, say, £25k of available credit spread across the empty cards, would that look dodgy to a lender?

Thanks.

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