Buying into partners home

coopauto

I am separated (2 years) divorce process commenced. Marital home sold and equity split.

How easy is it to buy into my new partners home. Worth £170k with a £60k mortgage. (After divorce is finalised of course)

Do I need to be a house owner. Does it make my credit worthiness better or worse.

Thanks in advance.

Fire_Fox

Welcome! ) You would need to apply to go on the mortgage either with the same lender or a different one (do this together and pay off the first mortage). Then a solicitor would complete all the paperwork: you would need to think about how you protect your partner's equity in the event you split up.

Credit worthiness is based on many things, it's worth checking your Experian and Equifax reports to see if there are any mistakes, ask them to remove your ex if they are listed as linked. Be sure you are on the electoral register and all your bank accounts are at your correct residential address ASAP. If you have had a mortgage with good conduct in the recent past that will give you a good rating, as does a credit card that is paid off each month and mobile phone contracts.
http://www.moneysavingexpert.com/loans/credit-rating-credit-score