Mortgage Help

AnnaLMLH

Hi
Im needing mortgage help please
turns out kensington wont just lend to my husband because we are married they want me to be on too but I am bankrupt therefore not allowed
husband has excellent 999 credit score not but paid a default off in june (8k) that originated from a joint loan that came to him due to my bnkruptcy
we are awaiting the satiffied in full to appear on his credit score

even with a 20% deposit is there any hope for him getting a mortgage and me staying off it,
six years is up 19th april 2015

and i know how stupid i was and that its going to vibrate through the rest of my life

ACG

5 year old bankruptcy and 20% deposit, I imagine you can do this in joint names if you wanted.

Although it may be possible to do it solely in his name.

Why would you go to kensington if you are doing an application solely in his name? Or does he have bad credit also?

AnnaLMLH

acg- independent advisor looked there, then looked and said oh your married

its that one default that he paid in june, it will show satisfied as soon as halifax update which at the latest (as it can take 60 days) will be second week of august
it defaulted 19th april 2009
now paid in full
dh score is 999 excellent now

but obviously i went bankrupt back then and the six year is due in april 2015

AnnaLMLH

oh and my credit is obviouslt 1/5 on noddle, and the lights go red every month till it drops off

ACG

Your broker should have checked that marriage wouldnt have been an issue before submitting - he/she hasnt helped there.

Because of the age of the default im sure this can be done solely in his name or possibly in joint names - depending on your preference.

AnnaLMLH

i dont ever want to be on a mortgage again lol