If you’re concerned that something in your bank statements might negatively impact your mortgage application, it’s best to speak with a mortgage broker before applying.
They can assess your situation, suggest ways to improve your financial picture, and match you with lenders who might be more flexible about certain issues.
Remember, every lender has different criteria, and what might be a problem for one could be acceptable to another.
A good broker can help you navigate these differences and find the best mortgage for your circumstances.