It is perfectly possible to get a mortgage while having debts in the background, but naturally the more debt you have, the more challenging it will become. Lenders factor in ‘Debt to Income Ratio’ (DTI) in the background so if the amount of debts you owe total over or above a certain percentage of your income, they may automatically decline to lend – even if you feel the payments would be affordable. These ratios vary between lenders and therefore it is vital you seek advice to help get suited with the right lender for you. Any debts which will continue to run once you have a new mortgage, will be factored into the lender’s affordability calculations and will be likely to affect your potential borrowing amount.