3. Be sensible with the debts you do have
On the flip side, just because lenders like to see your skills at money management, it doesn’t mean you should start maxing out your credit cards. The key detail is in how you manage your debts.
As a general rule, if you want to take out a mortgage you should be using less than half of the credit that’s available to you.
For example, if you have £5,000 worth of credit available total, then you should be using less than £2,500 of it. If you can, try and pay off any small outstanding debts you have to try and minimise what you owe and close down any existing cards that you don’t use.