Important detail is that I do not own a home, property, etc.
This is credit card debt with maxed interest rates

What I don’t understand is because of my annual income, if a bank etc. lent me money at a good interest rate to purchase a home, my salary would be enough to cover the mortage etc. if I was just lent enough to use a portion for consolidating the credit cards.

Example-not my figures:
$50,000 debt
$200,000 mortgage lending

Purchase home that is $150,000 and pay off debt with remainding $50,000

Due to significantly lower mortgage rate, and the high interest cards being consolidated etc. payment is not a problem, which can be proven with paystubs but isn’t apparent when looking at credit rating since it is very poor due to the maxed cards etc.

I’m ignorant of how mortgage lending works, for some reason can you not get a mortgage as high as possible but use some funds for other things?

Would banks be open to this arrangement?

Thanks