We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Change of name prior to mortgage application?
Bmth100
Posts: 1,037 Forumite
Hi all,
My fianc! and I are getting married in November this year. We don't want to keep my surname (no need to wonder, it's nothing 'weird', we just don't like it) and I intend on changing it by deed poll within the next month.
My only reservation is whether this will affect our mortgage application. We will have sufficient deposit by around February to June 2017.
If I go ahead with this, I intend on immediately informing all creditors, the 3 CRAs, changing my bank accounts and reissuing cards, and changing my Driver's Licence. I would also get put on the Electoral Roll under the new name asap and reapply for a Passport once our honeymoon was over.
If I did all of the above, and we weren't applying for a mortgage for around 1.5 - 2 years, would this still have an impact on our chance of acceptance? Particularly as we would like to aim for help to buy.
Thanks
My fianc! and I are getting married in November this year. We don't want to keep my surname (no need to wonder, it's nothing 'weird', we just don't like it) and I intend on changing it by deed poll within the next month.
My only reservation is whether this will affect our mortgage application. We will have sufficient deposit by around February to June 2017.
If I go ahead with this, I intend on immediately informing all creditors, the 3 CRAs, changing my bank accounts and reissuing cards, and changing my Driver's Licence. I would also get put on the Electoral Roll under the new name asap and reapply for a Passport once our honeymoon was over.
If I did all of the above, and we weren't applying for a mortgage for around 1.5 - 2 years, would this still have an impact on our chance of acceptance? Particularly as we would like to aim for help to buy.
Thanks
0
Comments
-
No. It won't.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.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.4K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.4K Spending & Discounts
- 245.5K Work, Benefits & Business
- 601.3K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards