advice please

dark_angel

my boyfriend has debts, if he gets a mortgage will he have to start paying them off? (we currently aren't paying them ) or not? also, can people who go bankrupt get a mortgage? I have good credit history but don't have a job, would i be able to get a mortgage? but use my boyfriends wage to pay the mortgage, sorry if any of this is confusing i am rushing
thank you

Mr_helpful

If you go bankrupt you wont get a mortgage until you are discharged from bankruptcy. Ditch the boyfriend get a good job get the mortgage in your name and fallin love with him again

dark_angel

haha, so if i get a job i can get a mortgage? his debt won't be taken into account will it? not like we're married.

how long does the discharge take?

Mr_helpful

usually 3 yrs but he could still live with you as anamrd person

dark_angel

a what?

Thrifty_sister_2

Good luck finding a job well paid enough for you to get a mortgage on just your income.
Thats why so many people can only buy as a couple.

Mr_helpful

A named person sorry bloke plus typwriter, on the phone, you will understand being a female

dark_angel

Thrifty_sister wrote:

Good luck finding a job well paid enough for you to get a mortgage on just your income.
Thats why so many people can only buy as a couple.

I can still use his income ?

dark_angel

anyone?
also no1 really answered this question,

my boyfriend has debts, if he gets a mortgage will he have to start paying them off? (we currently aren't paying them )

Cara79

Hi there

Basically, for you to get a mortgage in your name, you will need an income. If your boyfriend gets a mortgage, his debts will drastically reduce the amount he can borrow. Plus when a credit check is done, if the debts aren't being repaid then there will presumably (?) be missed payments - this will all go against him.

If you get a joint mortgage, then you will become 'associated' so his debts will also go against you.

If you can tell us his income, what debts he has (the amounts) and if he has missed payments etc. we might be able to help you more.

Cara

Cara79

Sorry, also, he might be able to add the debts to the mortgage (although I personally would not recommend this!). But I can't see how he will get a mortgage if he is not paying anything towards his debts.

Can you tell us why he's not paying towards his debts? The reason?