If you’re going to need a mortgage to buy your property, your debts should be the first thing you think about.
You don’t necessarily need to close your credit cards before applying for a mortgage. Lenders will want to see that you have the means and realistic plans for paying off any debt on your credit card, but it can negatively impact your credit score to close off credit cards.
There is no set amount that lenders will consider too much credit card debt for you to have. They will instead look at your debt to income ratio to be sure that you will be able to comfortable afford both your repayments of your debts and your mortgage.
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