DH & I have separate accounts. There was a period in the last six months where he was in overdraft (we had to move flats unexpectedly due to last one being sold by the landlord and also had pre-arranged holidays). I should have paid his overdraft as I had enough in investments, as well as in my account, but as we knew that a bonus was coming in within a matter of a couple of months, we just let it be. It was also well within his agreed overdraft limit. He is well out of it now. And I currently have a lot of cash in my account (in addition to deposit, etc.), and we're hoping we will never make use of that overdraft facility again.
Also - please bear in mind, DH doesn't even have credit cards (I do). So the overdraft is really the only time he borrowed money
Will this affect a mortgage application??? 