Am I a homeowner?

Gromitt

Wywth wrote: »

Don't they usually ask for all previous addresses up to 3 years ago?

Yes, but a recent move is always a negative. They don't want to give you a card and then you move again, then default. Tracking you down takes time and money, so they prefer you to have a stable address.

Janie4Now

You're not an "owner/occupier".....I'd go with "Other" and then explain.

opinions4u

Jon_Spiels wrote: »

In your case I'd say that your the homeowner since the property is in your name anyway. Try talking to your ex and ask for rent payment if he still lives there...

But the answer available is "owner occupier" which the OP clearly isn't.

See post #6.

Boo78

danlightbulb wrote: »

Hi,

I am getting divorced and am therefore renting. However I am still named on the mortgage where my ex still resides (although am not paying towards it).

For the purposes of a CC application, am I a homeowner or a tenant?

If I put tenant, then the credit check will reveal I have a mortgage. If I put homeowner then the credit search will show a mortgage for a different address to my own.

Thanks

you should obtain a copy of the title deeds from the land registry, only costs £4. it's possible to be on a mortgage and not on the title so it's worth checking.

I would guess you probably are though.

I'm a divorce lawyer so do this stuff a lot.

Sheriffsam

seeing as everyone is giving different answers and the application is not allowing you to fully express your current circumstances, the only way forward is to call the lender and do an application over the phone. Or at the very least get clarity from then. Sometimes you can talk to the underwriter directly.

bryanb

Sheriffsam wrote: »

seeing as everyone is giving different answers and the application is not allowing you to fully express your current circumstances, the only way forward is to call the lender and do an application over the phone. Or at the very least get clarity from then. Sometimes you can talk to the underwriter directly.

Underwriter for a credit card? That's a new one.

opinions4u

bryanb wrote: »

Underwriter for a credit card? That's a new one.

All card issuers have them.

bryanb

opinions4u wrote: »

All card issuers have them.

Thanks, I'm wiser now.

YorkshireBoy

Janie4Now wrote: »

You're not an "owner/occupier".....I'd go with "Other" and then explain.

Explain what? That his residential status is tenant? Wouldn't it be easier to just select the (appropriate) tenancy option?

Janie4Now

YorkshireBoy wrote: »

Explain what? That his residential status is tenant? Wouldn't it be easier to just select the (appropriate) tenancy option?

I agree fully that he is a tenant but the OP is concerned that any search will show up his mortgage......and the fact, presumably, that he is still responsible for it even if he isn't actually paying it.

He is an owner, but not an occupier. He is a tenant but owns a property other than the one he is living in.

I reckon he's better off explaining his situation so that there no misunderstandings.