Mortgage in DH name only

ACG

Go with what your broker says, that is what they are being paid for.

When i said 25% I meant as the deposit, not 25% LTV... although in either instance I was still out on my maths - oops.

Piglet36

But what about my bad credit rating and debit.... will this not affect him.
If we applied together after all my debts are settled with his credit score of 920 and mine of 500 would we be able to get a mortgage?

Piglet36

DIP is with Leeds building society.

ACG

Get a copy of your credit report, as kingstreet says unless you have gone through the process of being de-linked you will still be financially associated anyway.

Piglet36

we are only on mortgage together which will be paid off and so will all my debts before the new mortgage is drawn

Piglet36

Hi
My credit score is good on equifax but low on experian. Husband is perfect.

Piglet36

So would we get a mortgage if we applied together?

ACG

Possibly.

Your financially associated anyway so it doesnt really matter -your circumstances are already being taken into account to some degree or another.

Piglet36

Okay

If we don't get a mortgage due to my debts and bad score.... would we be able to when I settle my accounts on 25th of August?

ACG

Just tell the lender they will be settled by the time you complete. Your unlikely to complete before that date so it will just become part of any mortgage offer.