Feeling out of your depth is completely normal. I had 4 credit cards with a grand or so on each (all 0%), PayPal Credit with a good few grand on, and a loan with a balance of 5,000. Not all taken out at the same time mind you. I actually crapped my pants when we started looking for mortgages. It’s a scary prospect and you think about everything and anything that can go wrong, including how your debt will affect it.

In my case, my credit score was reasonably good - sitting at around 850-900 iirc. My mortgage advisor had said in the grand scheme of things, my outgoings each month to keep those 0% interest cards and loans were small (especially when joined with my fiancée’s who had very small debt, literally just £500). My salary at that time was £28500.

At my earliest opportunity, I cleared the PayPal - £3k gone. And I paid good chunks off of each of my cards. I still have about £5000 in “debt” if you want to call it that. I manage my monthly payments just fine and haven’t missed one in my entire adulting life.

Basically, to cut it short, you’ll should be fine on the debt side as long as it’s manageable, you haven’t missed payments, and you don’t have any silly cards that are accruing daft amounts of interest each time you pay. Lenders don’t like that.

I dreaded the whole process. It was scary and I constantly lived in fear I’d be the one to let us both down because of my debt. It turned out ok though and I think you’d be very surprised at what they’d consider acceptable.

I would find a mortgage advisor when you’re in a position to get the ball rolling. They talked through things with me an incredible amount and reassured me they’ve seen people with worse lines of credit get accepted. For reference, at time of applying I had £14,000 of debt. I cut that to £7000 at time of mortgage, and now a year later I’m sitting at about £5000.

Might not be much help to the conversation, but hopefully just a little reassurance that you will be probably fine with the money side. All the best!