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Married Couple Italian + Indian, excellent + bad credit
uknando
Posts: 3 Newbie
I am Italian and my partner is Indian, we got married just a month ago. I have excellent credit score but his is poor (only 1,5 year living in the UK), never missed payments, no ccj.
He just summit application for 5 year dependent visa.
We want to make a joint application for a mortgage, will banks consider us, taking to account our circumstances? Will my excellent credit score balance out.
Halifax told, it won't be a problem, Santander is more cautious.
We are scared of negative impact of refusals.
Thanks in Advance.
He just summit application for 5 year dependent visa.
We want to make a joint application for a mortgage, will banks consider us, taking to account our circumstances? Will my excellent credit score balance out.
Halifax told, it won't be a problem, Santander is more cautious.
We are scared of negative impact of refusals.
Thanks in Advance.
0
Comments
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Risk of refusal depends on your overall situation, especially the size of your deposit.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
Hi Amnblog. Deposit will be 10%.0
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are you using a broker?I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
i am not using a broker. do u have experience with similar cases?0
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