^^ What Rowellen said. The bank/financier will take into your whole debt position. So if you have a $5k credit card, they will assume that at anytime you can max out that credit card, not that you owe X amount or pay it off weekly/monthly etc....

Savings are good to have too though b/c it shows that you aren't just living day to day.

If you are unsure of which way to go someone like Kelly suggested is a good idea b/c they will look at what is the best way to go for your personal situation. The only issue I have is if they are a broker sometimes they will suggest you banking with a certain bank/financier b/c they get a higher fee for referring the loan, so just be aware of that too (most do the right thing by the client though)