What are the right answers??

AlexLeigh

Saying "Yes" regarding paying off the credit card debt isn't a negative factor. Sainsburys will use this information to help calculate your partner's affordability - so paying down other debt is better than keeping it all. Lower debt levels = more chance of the lender getting their money back.

You need to get on the electoral roll to stand a chance of being accepted, especially with a prime lender like Sainsburys. It will take over a month to appear on the electoral roll after applying, so take this into consideration.

You can order credit reports from experian and equifax. If your partner's credit doesn't seem to healthy, it may be worth managing his current card in a healthy manner. i.e. paying over the minimum payment each month for several months.