Buying together - bit of a shambles

ACG

Sort your relationship and situation out before going any further.
Let him get his issues out, then work through them to a point where you are both happy.
If you can not do that, all you are doing is masking the problem with the excitement of moving home.

After that, find a broker who is confident they can obtain you a Mortgage (ie any broker fees are chargeable on full offer of a mortgage or completion). A few arrears on a credit card should not be a deal breaker BUT it may end up costing you a little more in the repayments...that has the potential to cause bitterness so again, get it discussed.

I bought "my" house 4-5 years ago. My girlfriend moved in not long after and the house has gone up by around £70k. We are buying "our" family home together. The deposit is coming from the same of the property I bought.

We will both be joint owners 50/50. Our situation is very similar to yours, however the deposit is coming from me and I also earn a fair bit more than my gf. If we ever split up as far as I am concerned, I would like to get my deposit back and split the rest but I have not bothered putting paperwork in place to that effect. So I could end up walking out with less than I put it...But I do not expect to split up.

You can not agree to buy a home together but then keep raising the fact one put down more (or all) of the deposit. Either do it and be happy or do not do it.

Easy for me to say but I genuinely would be considering whether I want to purchase a property where there appears to be an underlying issue that gets brought up in an argument.