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Bills jointed or single to help credit for mortgage

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ktcoil
ktcoil Posts: 559 Forumite
Debt-free and Proud!
in Mortgages & endowments
Hi guys me and my partner are looking at saving and buying a house, at present I pay for bt and give my partner 300 and my partner pays rent,councel tax, water and elec with gas and insurance, I pay about 5more which I don't mind but is it just worth staying like this with me basically only having my by and gym coming out each month or for us to seta joint account we both pay the same amount then all bills come out of joint, what would help me build my credit up the most for better chance in future of a mortgage :)

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  • kingstreet
    kingstreet Posts: 39,256 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Get a credit card. Use it for your normal regular expenses. Pay it off in full each month so you pay no interest.

    If you want to be really smart and micro-manage to the nth degree, find out which CRA your chosen mortgage lender takes information from and make sure your credit card provider supplies information to that same CRA.

    The rest is irrelevant.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
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