Skiptons

kingstreet

richcoleuk wrote: »

Ok - got as far as this.

Basically they called me back and told me they wouldn't be able to say any more but would need to speak to my Fiancee. Turns our she has some kind of issue back in 2006 and that was the only thing that stopped us. As my income makes up 80% of our money, I asked them if I could apply on my own. The affordability came back at well over our loan but for the final check they'd need to run another credit score against an application on my own.

Now in a bit of a quandry around applying again on my own and potentially leaving another foot print on my record.

Any help greatly appreciated

Rich

As your only other option is another application elsewhere and you now know it's not you that's the problem I suggest you go for it.

AskMeAnother

OK 2 options really.

Go for it on your own = another footprint.

Try with another lender = another footprint.

Be aware that lots of people shop around for mortgages and having 2-3 footprints from mortgage lenders is not going change a lender's decsion from "pass" to "fail".

The only fail I ever saw that I attributed to number of searches was someone who had had 24 searches in the last 6 months - that I agree is somewhat excessive!

FWIW - If the Skipton are offering the best deal, I would go for it on your own and add your partner on when you come to remortgage next time round. Be aware this will cost a few hundred for the transfer of equity though...

Good luck!

Matt

richcoleuk

Ok thanks so much for all your help.

I'm going to sit on it for a few days and use the time to delve into my Fiancees credit history. If it's something that's going to come up in another application then I'll apply on my own going forward. If this site is to be believed, our other option Nationwide, use Experian for which I already have a good rating.

Also, do they want to see bank statements? I never realised that.

Going to give it a think and then see.

Thanks again guys

Rich

AskMeAnother

richcoleuk wrote: »

Also, do they want to see bank statements? I never realised that.

Yes, they only look for account conduct and evidence of ongoing affordablility. Usually woudn't expect this to be an issue for someone with your income etc.