Mortgage and Unsecured Loan

[ButYouGottaHaveASkillJeff]

Sorry for what may be a daft question. I'm only just getting my head around mortgages after 20 years of renting.

I'm now (hopefully) in a position to get a mortgage and will probably go down the Shared Ownership route. I've another thread if anyone wants to give their twopence!

Anyway, I have an unsecured loan via my work which comes straight off my salary before hitting my bank. Would I be able to add this to any mortgage term I get provided I can afford it? When filling out a mortgage broker form one of the questions was do I have any credit card debt and would it be paid off with this mortgage? Would it be the same as this loan? Hope that makes sense.

I've recently remortgaged and put in the debts that won't be cleared by the mortgage. I was later in the application given an option of taking out
additional funds (essentially adding them on to my mortgage by clearing them with additional money from the mortgage) but I chose not to as my debt is managed on a 0% interest credit card.

I believe additional affordability checks are done when taking out additional funds but as ive never taken out additional money I cant say what else they do. I do remember there is a fee to pay to the solicitor to transfer the additional money to you. I think it was something like £40 plus VAT on my recent contract but it didn't apply to me

Talk it through with your broker. I assume you mean add it to the mortgage balance, rather than the mortgage term- that all depends on your affordability (and possibly what the secured loan was for)