Has cashback stacking affected anyone's remortgage options?

Hi everyone,

I've been doing cashback stacking and getting around ~£200 pm for about a year now but we are due to remortgage next year and I'm concerned that our accounts are a bit of a mess because of it. I'm wondering if anyone else has had issues.

My current stack is using Zilch Pay Now (0.5-3%) for almost everything, funded by PayPal Rewards (1%) funded from my debit card. My debit card statement reads "PayPal" for almost every transaction; PayPal's statements seems to be designed to be as impentrable as possible and Zilch only issue an annual statement, which will due 2 months after we need to remortgage. I also have a Byond card for groceries which I tend to fund via Uphold as it gives me an extra 1% for just move the money but as a Crypto currency card may be a red flag for some lenders.

It's also made budgeting using Actual Budget an extra faff and I'm wondering if the short-term gains of stacking are going to cost me more in the long-term. I'd apprecieate to hear how others have negotiated the remortgage process whilst doing this kind of thing.

Thanks in advance for your comments ☺️