Updated:  22 October 2025 Written by Ben Stephenson, CeMAP‑qualified Mortgage Broker, reviewed by Mortgage Experts. Manor Mortgages Direct is FCA authorised (496907), has been in business nearly 30 years and is highly positively reviewed, 4.9 rated on Google. We have helped thousands successfully secure the right mortgage. Bristol‑based, assisting clients nationwide. Yes , paying off or paying down credit cards before you apply often improves your prospects, although outcomes

Applying for a mortgage is one of the biggest financial steps you’ll take, and how you manage your existing credit accounts can have a...