Definition of poor credit

JoeyEmma

I have checked my credit rating and it is 867 (fair)

I have no CCJs, no arrears etc

Will I be ok getting a normal mortgage with my boyfriend?

herbiesjp

Have you checked his credit file?

You should be fine - it sound like you should talk to a whole of market mortgage adviser who will walk you through the whole process and make it easy for you.

JoeyEmma

Haven't bothered to check his as he is far better with money than I am (no credit card debts etc!)

I've spoken to a broker who has recommended a mortgage for us, I just wanted to check that once the application goes in that we won't get knocked back from my slightly lack attitude.

MortgageMamma

Ask the broker to get you an agreement in principle from the lender (mortgage promise) before you submit a full application, that way the lender will have already perfromed a credit check and income multiples etc against their own criteria and if it is agreed in principle it is unlikely you will be declined.