Mortgage declined

Red-Squirrel_2

crowy68 wrote: »

We dont currently live together but yes we are on the roll. She has store cards which are paid regular.

How much does she owe on the store cards?

crowy68

Always paid off when the bill comes

Red-Squirrel_2

crowy68 wrote: »

Always paid off when the bill comes

Ok, so its probably not your partner that's the reason for the decline, if she's got a good repayment history.

crowy68

Im a bit stuck as dont know what it can be ?
Just seen someone else on here had a decline with santander for no reason, could it be them ?

Red-Squirrel_2

crowy68 wrote: »

Im a bit stuck as dont know what it can be ?
Just seen someone else on here had a decline with santander for no reason, could it be them ?

Well, your lack of credit history is the most obvious possibility without any of us seeing your file! Your partner having a good one will not make up for that, they'll look at both of you as individuals.

crowy68

Well im thinking of applying by myself with my Bank, and see what happens. Wish me luck !!

Fizzy11

You need advice from one of the brokers on here because every time you apply it can lower your credit score.

It could you need a lender that doesn't credit score but does credit searches. Bad credit can also be linked to someone at address with same initial.

For the sake of £16 get your experian & equifax credit files. Pointless going elsewhere without checking.

Thrugelmir

crowy68 wrote: »

We have a £100,000 deposit and only looking for a £60,000 mortgage. (

What's the source of the deposit?

crowy68

The sale of my GF house

crowy68

I have just done a credit check with Equifax and has given me a score of 528, when the uk average is 380, so surly I should be able to get a Mortgage, might need a chat with my GF . . lol