Both names on mortgage?

kingstreet

Will we be able to have the house in both our names even though I have a poor credit rating?

No. That's highly unlikely. If you aren't party to the mortgage, you can't be party to the ownership. You might need a specialist adverse credit mortgage if you have a big enough deposit

Would the situation change if we were married?

Being married is irrelevant. All I can suggest (to keep the mortgage rate down) is you purchase in your partner's name for the time being and look to have yourself added to the deeds and mortgage at such times as your adverse credit has fallen off your file.

You can ask a solicitor to draw up an agreement which deals with what happens if you split up.

Andysgirl

kingstreet wrote: »

No. That's highly unlikely. If you aren't party to the mortgage, you can't be party to the ownership. You might need a specialist adverse credit mortgage if you have a big enough deposit

Hmm. Doesn't seem very fair seeing as i'd be paying half of everything.