hi try and keep it short here, just sold our first house house that we had for four years and will have a 20000 deposit to put down on next but heres the story,My girlfriend has an excellent credit rating but I have not, I have a 4000 overdraft and up to max and and 4000 grand left to pay on a 8000 loan but I am starting to think that we might not get the mortage we would like for another house, we have seen a house for 150000 and with 20000 deposit to put down, I am thinking that we will not get that for a mortgage can anyone give us some advice that mayb in the know about these things and let us know if this will effect our chances of getting a house for this price? thanks any advice will do in regards to my situation