Financial associate credit search

sdh2903

Hi all

Currently going through a mortgage app with halifax, got the dip, passed affordability according to broker. Now this app is in my name only for a couple of reasons, but I am financially associated with my partner by means of a joint account.

Now my question is would a credit search on my partner have any effect on my mortgage application?

andynclaire

we have just had our mortgage approved by Halifax. It is also in my partners sole name as I have bad credit. We are financially associated due to a loan but I have not had any search done on my name from them.

Mortgagemeltdown

Hi there,

When I first applied for my mortgage I was still financially associated with my ex partner who has the worst credit history ever…..a big factor that contributed to our relationship breakdown but thats a whole other story.

I received my DIP and my full mortgage offer with the association still in place. The association was gone by the time my mortgage/house completed and I never had any problems although I was, like you, worried about it. So from my personal experience it had no impact. Hope it works out ok for you!

My mortgage is with Halifax also!

Good luck!