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Got debt? Credit cards? Car finance? Loans? Klarna? Most people assume that means they won’t get a mortgage… But that’s not usually the issue. 👉 Debt doesn’t automatically stop you getting a mortgage. What it does is reduce affordability — and that can cut your borrowing power by tens of thousands. Lenders don’t just look at your income… They look at what you’re already committed to every month. So the question isn’t “Do you have debt?” It’s: How much is it costing you each month? If you’re uns
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