Hi, you would need to clear the existing debt before applying, they will pretty much deduct the monthly cost of this debt from your income meaning you would have less to pay a mortgage with every month. The banks will do a credit check on your history so it depends how poor your credit score would come back. In my experience applying for a joint mortgage it doesnt matter who "owns" the savings they will be viewed as the joint savings, so if you have more than enough saved overall you should be fine on that front.