When looking to purchase a property with a mortgage, taking out a loan isn't something we would usually recommend. 

When applying for a mortgage, the lenders look at whether you would be able to afford monthly mortgage payments. That means that having a loan to repay as well affects the mortgage affordability and your debt-to-income ratio. In most cases, this is unlikely to work in your favour.

However, we still may be able to help, just keep in mind that the range of lenders available is likely to be limited. When filling out your Habito online application, just make sure to include the loan (even if it's still to commence) on your application form and we can take it from there.

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