Eeeek Bad Credit

RonniesMummy

Me and Hubby2be are looking to buy a house, my parents are willing to help with deposit etc. The house we are looking for is £155k.
Problem is, my credit rating is bad. like really bad. I am paying all debts off at the end of this month but i have so many defaults I got in a right mess.
So my question is, can we have a mortgage just in my OH's name, but with the joint income?
I think I know the answer already unfortunatly
thanks in advance.
p.s please dont judge me, i know how silly I have been.

Thrugelmir

All of us make mistakes in life. What matters is having that light bulb moment. So don't despair if you can't get a mortgage at the moment. Time is the healer. Once clear of your debts start saving. Demonstrate to a potential lender you've turned the corner. Being gifted the deposit will give no confidence to a lender.