Help much appreciated, married but require sole mortgage

carlos13

Opinion wrote: »

You've applied for one mortgage and you're trying to out-advise and argue against people who deal with mortgage applications day in, day out, and have done for years. Just stop. You're not being helpful whatsoever.

did you accidentally comment on the wrong thread?

i don't know what you've been reading but all i've done is posted some advice and then have to defend my comments over a series of posts.

The point is, only a letter is required for sophie not a joint application. (if applying with Halifax)

This is a view shared by others who have posted to the OP.... end of story.

If you want to continue posting then write to the OP not me. i'm not getting involved with your jump on the band wagon bullying tactics.

I've been thanked by the OP which shows my message was useful.

AnnaLMLH

seriously can married people apply seperatly? my credit sucks, but my husbands doesnt he is the main earner, but then i am guessing would take a hit as we have kids

mememe44

Carlos, have you received a full offer from Halifax? Are they entirely comfortable with the deposit coming from your spouse, who eill live in the property but have absolutely no hold over it?

I don't post on here very often but it is a wealth of knowledge and your posts seem to just be muddying the waters.

I'm not an expert but I do know the following:-

Credit reference agency scores mean nothing at all- lenders have their own way of scoring applicants so asking what someone's Experian score is is a schoolboy error.

Lenders do not base their lending on income multiples (your quote of 4 times salary elsewhere) it is purely based on affordability. A couple with 5 children can afford a lot less than a couple with no children so, even if they earned the same salaries, they would not be offered the same amounts for a mortgage.

You might have been thanked by the OP but they posted here for help, if they don't know better your posts might seem helpful but unless you can catergorically state your situation was exactly the same and, most importantly, unless you have actually fully secured your mortgage, your 'advice' is somewhat wide of the mark.

carlos13

mememe44 wrote: »

Carlos, have you received a full offer from Halifax? Are they entirely comfortable with the deposit coming from your spouse, who eill live in the property but have absolutely no hold over it?

I don't post on here very often but it is a wealth of knowledge and your posts seem to just be muddying the waters.

I'm not an expert but I do know the following:-

Credit reference agency scores mean nothing at all- lenders have their own way of scoring applicants so asking what someone's Experian score is is a schoolboy error.

Lenders do not base their lending on income multiples (your quote of 4 times salary elsewhere) it is purely based on affordability. A couple with 5 children can afford a lot less than a couple with no children so, even if they earned the same salaries, they would not be offered the same amounts for a mortgage.

You might have been thanked by the OP but they posted here for help, if they don't know better your posts might seem helpful but unless you can catergorically state your situation was exactly the same and, most importantly, unless you have actually fully secured your mortgage, your 'advice' is somewhat wide of the mark.

Halifax are comfortable with my wife not being on the mortgage and supplying the deposit. This is my second time in last six months going through application procedure (1st in branch second over phone) and their policy seems to be consistent on both occasions.

as stated on my last post, please only write to OP

mememe44

Carlos, you can't (or at least shouldn't) post your 'advice' on here then, as soon as you are pulled up on it by every single person, revert to 'only post to the OP'

The fact you are applying a mortgage for the second time in 6 months rings alarm bells in itself.

Please update us all when your mortgage completes and we'll all happily eat our words I'm sure.

Thrugelmir

AnnaLMLH wrote: »

seriously can married people apply seperatly? my credit sucks, but my husbands doesnt he is the main earner, but then i am guessing would take a hit as we have kids

If one person is named on the application then the other partner and other dependents (ie children), may be considered financially dependent if they are residing in the property.