We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Joint mortgage
worriedhousewife
Posts: 2 Newbie
Hi
I am new to this forum but I really need some advice.
I have a large amount of unpaid credit card debts which I am currently paying off at small amounts each month.
I am at home looking after our children so I do not work at the moment.
My problem is we are moving house soon. My husband has the mortgage in his name only at the moment (his credit score is perfect, he earns a lot, we have a large deposit).
Now I have found out that he wants me to go on the new mortgage making it a joint one (we are staying with the same bank as it is with now) and I have an appointment this week to do the application form because my husband is at work.
I don't know what to do. Surely my credit file is going to stop us getting this mortgage? I had no idea he wanted me on it. I don't earn anything so I won't be repaying it but will they still check my credit file?
I am new to this forum but I really need some advice.
I have a large amount of unpaid credit card debts which I am currently paying off at small amounts each month.
I am at home looking after our children so I do not work at the moment.
My problem is we are moving house soon. My husband has the mortgage in his name only at the moment (his credit score is perfect, he earns a lot, we have a large deposit).
Now I have found out that he wants me to go on the new mortgage making it a joint one (we are staying with the same bank as it is with now) and I have an appointment this week to do the application form because my husband is at work.
I don't know what to do. Surely my credit file is going to stop us getting this mortgage? I had no idea he wanted me on it. I don't earn anything so I won't be repaying it but will they still check my credit file?
0
Comments
-
Are you in a Debt Management Plan ?0
-
No I am not0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.9K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.2K Spending & Discounts
- 246.9K Work, Benefits & Business
- 603.5K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards