If you are refinancing the lender will look at your repayment history on your current loan and whether you've made the payments on time. Assuming that is all okay they will include as the others have said a % (normally 2/3%) of your credit card limit as on ongoing expense when they are working out what you can afford to now repay. They will/should ask you questions about what your other ongoing expenses are we they are now obligated by law to make sure you can afford to repay the debt. So for example if you had kids in private school this should be factored in when they are working out how much you can borrower. If you do have credit card or personal loan debt depending on how much you owe on your current loan compared to how much your property is worth it would be worth thinking about consolidating the debts together and closing the credit cards. This way you repay the debt at a much lower interest rate or much quicker if you continue to make the same repayments.

Main thing you need to work out if what you want your home loan to do for you. For example no point in paying a rate to have a redraw for example if you are never going to have extra money in there to actually redraw. At the moment there are some good fixed rates out there which won't be around for long so could be worth while considering fixing part of the loan especially if you can get the good rates.

I work in mortgage industry so pm me if you need any more info. Even if just to run my eyes over the offer that you get from your finance officer to see if it is good or bad.

HTH