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Am I more likely to be accepted with or without my partner?
UrWntr
Posts: 227 Forumite
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You should be good to go on your own, but the lender will ask whether there will be any adult occupiers and may do a background check on your partner regardless, especially if your records are linked at the credit reference agencies in any way.
Get a copy of your Experian and Equifax reports (single name) and see if there are any financial connections.I am an Independent Financial AdviserYou should note that this site doesn't check my status as an Independent Financial Adviser, so you need to take my word for it. This signature is here as I follow MSE's Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
Post Office lending criteria does say they are lighter on mobile/catalogue late payments, but I've never tested this.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.0
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As the last late payment was nearly 4 years ago, it shouldn't be a major problem, I would suggest if you are in a long term relationship your partner should always be added to the mortgage.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.0
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