Hi, we bought off the plan property last year and gave 10% of the land deposit and 5% of building deposit. Our land gets registered on this September and we have to look for a bank for finance. Here is the situation, I’m a full time worker and I earn $77K per year and so does my husband and earns $85K, however my husband had few credit cards by then didn’t have full time job. Therefore he Did debt agreement to payoff his debts and we were not sure will be buying property now. I believe it will impact to apply loan do you have any suggestions? By the way he is paying off his debt on weekly basis in a regular basis with good deal.