Mortgage application in sole name - dependents?

Chardonnay

Hello all, I was wondering if I could ask for a quick bit of advice please?

We are renting at the moment but my father would like to gift us a decent deposit to buy a house.

My credit history is good, no blemishes at all, but my husband's credit history is terrible (a couple of CCJs which have thankfully now fallen off as they're 7 & 8 years old) but also a couple of defaults and late payments. He had to make arrangements to pay with several of his creditors. He has been much, much better over the last couple of years, since we moved in together and now makes sure that all of his debts are paid on time, and has also now settled a couple.

However, due to this and also the fact that he is 58, we think it's best that I take the mortgage out in my name only. We're not quite in a position to buy yet but hoping to be by the Summer. So my question is, will my husband be classed as a dependent, although he works full time and earns a decent wage? Also, my daughter is 18 and at college. She also receives DLA and the lower rate of ESA. Wil she also be classed as a dependent?

Thanks very much in advance!

ethank

If you husband has CCJs which are 7 or 8 years old, they will no longer be on his file. You should get an up to date credit report.

Chardonnay

Thanks Ethank. I was aware that they drop off after 6 years, it's just that he's had a couple of defaults since and also I was thinking that with his age, it would make it difficult to get a decent term for the mortgage.