Joint Mortgage with one party post DMP

I'm 18 months post DMP with 'youngest' default 4 years old. My husband has a perfect credit score and history (my debts are from before we met & we have no financial association).


We currently rent and want to buy our own home. Will our combined history make it difficult to get a mortgage i.e. will high street lenders reject us?

Comments

  • ACG
    ACG Posts: 23,677
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    It will depend on how everything appears on your credit report and the finer details. If everything is 4 years old you should have options.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • YHM
    YHM Posts: 650 Forumite
    Definitely one for a broker. Get all your credit reports in a row and present them to a good broker who knows what they are looking for and what they are doing.
    I am a Mortgage Broker.

    You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice
  • Thrugelmir
    Thrugelmir Posts: 89,546
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    Being married creates an association. What yours is their's and what their's is yours.
  • Not necessary. If no joint accounts or credit are currently held.
  • Thrugelmir
    Thrugelmir Posts: 89,546
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    Not necessary. If no joint accounts or credit are currently held.

    Married couples however can pass assets between themselves at will.
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