FTB - Available credit and mortgates

Hi

Question from a FTB buyer here, looking for some advice.

I was reading the thread on stoozing, which made me think. I have 2 credit cards, which I've had for close on 15 years. No defaults, etc, and I've regularly paid them down. At the time of completion I should owe little to nothing on them but will my available credit be counted against what I can borrow on my mortgage application?

Wondering if I should get the credit limits reduced, as over the years they've been upped so they are pretty substantial now (over 10K each)?

THanks in advance for your help :-)