Yes. Using an overdraft can affect your mortgage application. Many mainstream and specialist lenders may still consider you. Underwriters focus on how you use the facility. Understanding Overdrafts and Their Impact on Mortgages Arranged overdrafts that are used occasionally and cleared promptly are often seen as lower risk. In contrast, unarranged usage or persistent reliance at the end of the month is viewed negatively. Lenders typically review the last 3 to 6 months of
