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  • FIRST POST
    • beccysarahjohnson
    • By beccysarahjohnson 14th Oct 16, 6:34 PM
    • 4Posts
    • 0Thanks
    beccysarahjohnson
    making a mortgage application in my name whilst married to someone on an IVA
    • #1
    • 14th Oct 16, 6:34 PM
    making a mortgage application in my name whilst married to someone on an IVA 14th Oct 16 at 6:34 PM
    Hi
    I am applying for a mortgage in my name with my income and deposit only. However I am married and my husband has had two IVA (one he's paying currently) . We have never had, any joint debts or accounts.

    Will he still be credit checked?
    will my application be denied because of his poor credit?

    Many thanks
Page 1
    • kingstreet
    • By kingstreet 14th Oct 16, 7:33 PM
    • 30,009 Posts
    • 15,955 Thanks
    kingstreet
    • #2
    • 14th Oct 16, 7:33 PM
    • #2
    • 14th Oct 16, 7:33 PM
    No.

    However I would be careful with lender selection as some lenders will auto decline such cases when they find out.
    I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.
    • beccysarahjohnson
    • By beccysarahjohnson 14th Oct 16, 7:58 PM
    • 4 Posts
    • 0 Thanks
    beccysarahjohnson
    • #3
    • 14th Oct 16, 7:58 PM
    • #3
    • 14th Oct 16, 7:58 PM
    Any suggestions of which to apply to? I have a mortgage broker
    • kingstreet
    • By kingstreet 14th Oct 16, 8:13 PM
    • 30,009 Posts
    • 15,955 Thanks
    kingstreet
    • #4
    • 14th Oct 16, 8:13 PM
    • #4
    • 14th Oct 16, 8:13 PM
    Any suggestions of which to apply to? I have a mortgage broker
    Originally posted by beccysarahjohnson
    I'm sure your broker has it all in hand and knows who to avoid.
    I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.
    • DarkAngelEyes
    • By DarkAngelEyes 14th Oct 16, 9:41 PM
    • 7 Posts
    • 0 Thanks
    DarkAngelEyes
    • #5
    • 14th Oct 16, 9:41 PM
    Mr
    • #5
    • 14th Oct 16, 9:41 PM
    I own a flat in building and was successful in getting an offer and the conveyncing team wrote that another co-director to verify that there is no major work in the near future due. But, a bad history between the co-director and me led him to claim that the building is in a mess and he made up a massive estimated bill as act of spite. I had the lender's surveyor inspected the property and passed it for lending. He also refuses to confirm the rest of the lender’s enquiries and my offer’s expiry date looming what should I do? If I take legal action it will not be resolved soon. Can you help? Can the broker speak to the lender and explain that the neighbour’s action is causing me stress.
    I need advice
    • zagubov
    • By zagubov 15th Oct 16, 5:49 PM
    • 13,381 Posts
    • 118,108 Thanks
    zagubov
    • #6
    • 15th Oct 16, 5:49 PM
    • #6
    • 15th Oct 16, 5:49 PM
    I own a flat in building and was successful in getting an offer and the conveyncing team wrote that another co-director to verify that there is no major work in the near future due. But, a bad history between the co-director and me led him to claim that the building is in a mess and he made up a massive estimated bill as act of spite. I had the lender's surveyor inspected the property and passed it for lending. He also refuses to confirm the rest of the lender’s enquiries and my offer’s expiry date looming what should I do? If I take legal action it will not be resolved soon. Can you help? Can the broker speak to the lender and explain that the neighbour’s action is causing me stress.
    I need advice
    Originally posted by DarkAngelEyes
    I'm afraid you've posted in the wrong place; you need to start a new thread where people can see your problem and suggest solutions.

    You might be better putting it in the House Buying, Renting & Selling sub-forum.
    http://forums.moneysavingexpert.com/forumdisplay.php?f=16
    At the top right hand side there'll be a drop-down menu titled Forum Tools that'll let you start a new thread. Good luck!
    There is no honour to be had in not knowing a thing that can be known - Danny Baker
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