Overdraft question

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We have two overdraft facilities (500 on each) - we have trained ourselves not to go into them so they are there on the account but not used IYSWIM. We are applying for a mortgage in a few months - would you cancel them or does it look like we're responsible if we keep them? Thanks

If you are going through a financial advisor, you could ask them now, before you apply.

I would think it would be absolutely fine.

My current account automatically comes with a £500 overdraft that I've never used.
CAnnot see how it would have any impact on a mortgage at all.
Its the affordability criteria that are king nowadays

If you are not using it then it will have no bearing on your mortgage application.

Some Lenders ask "What was the highest amount you were overdrawn by in the last 3 months";
Delilah is spot on;
For situations were you are constantly in, but within your OD, then this is taken as a Credit Commitment to be serviced/accounted for in a similar way to a Loan or Credit Card balance;