At the moment My husband and I private rent and I am currently paying off a loan and credit card. If all goes to plan I should have it paid off in a year from now. I've never missed a payment and our credit scores are classed as very good on Experian.
I've used my overdraft a lot too however never gone over the limit. Once the debt is paid we are hoping to save for a mortgage deposit, by then I won't be using my overdraft.
What I'd like to know is will my use of overdraft and debt at the moment affect any future applications for a mortgage (as long as our credit ratings aren't affected and no payments are missed?)