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!
Joint Mortgage, poor credit?
aim2111
Posts: 1 Newbie
Hi All,
My husband and I are potentially looking to move to a bigger property. He is currently the only person on our mortgage on our house we brought just over 4 years ago.
We both have permanent full time jobs but I have a poor credit rating due to a default nearly 6 years ago. My husbands credit rating is good if not great but I am on the poor line due to this default. He has a credit card but we pay it off on time each month so no issues there and both have a couple of credit accounts (next) with not much on and pay monthly on time.
Any advise from anyone appreciated.... Do you think we would get accepted if we went for a joint mortgage?
:beer:
My husband and I are potentially looking to move to a bigger property. He is currently the only person on our mortgage on our house we brought just over 4 years ago.
We both have permanent full time jobs but I have a poor credit rating due to a default nearly 6 years ago. My husbands credit rating is good if not great but I am on the poor line due to this default. He has a credit card but we pay it off on time each month so no issues there and both have a couple of credit accounts (next) with not much on and pay monthly on time.
Any advise from anyone appreciated.... Do you think we would get accepted if we went for a joint mortgage?
:beer:
0
Comments
-
Subject to affordability and a decent deposit, yes.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards