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  • FIRST POST
    • pioneer22
    • By pioneer22 9th Jul 17, 10:17 PM
    • 401Posts
    • 149Thanks
    pioneer22
    Mortgage is in my wife's name but
    • #1
    • 9th Jul 17, 10:17 PM
    Mortgage is in my wife's name but 9th Jul 17 at 10:17 PM
    I have been making payments and contributions to the mortgage since 2012. I have adverse credit.

    Am I able to use these payments to be able to be added to the mortgage at all?
Page 1
    • Thrugelmir
    • By Thrugelmir 9th Jul 17, 10:23 PM
    • 54,367 Posts
    • 47,191 Thanks
    Thrugelmir
    • #2
    • 9th Jul 17, 10:23 PM
    • #2
    • 9th Jul 17, 10:23 PM
    Past payments will have no bearing.
    “ “Bull markets are born on pessimism, grow on skepticism, mature on optimism, and die on euphoria. The time of maximum pessimism is the best time to buy, and the time of maximum optimism is the best time to sell.” Sir John Marks Templeton
    • ACG
    • By ACG 9th Jul 17, 10:33 PM
    • 15,067 Posts
    • 7,615 Thanks
    ACG
    • #3
    • 9th Jul 17, 10:33 PM
    • #3
    • 9th Jul 17, 10:33 PM
    Making payment will not enable you to go on the mortgage.

    If you have bad credit, you need to find a lender where you will fit criteria and are likely to pass a credit check with them. Or speak to a broker and get them to do the donkey work. Also bare in mind you will need to pay for a Transfer of equity (even if the remortgage includes free legals).
    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.
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