Husband had excellent credit but mine is bad - can we get a mortgage?

hopefulcat

Hello - first time poster here!

Situation is this:
We are looking a buy a house with Help to Buy. Husband has a very good salary and could afford to finance the mortgage on just his money. He also has an excellent credit record (checked on Experian).
However, I am not currently working and my credit record is Very Poor (again, with Experian).
Deposit would be coming from the sale of a house we own in joint names.
Can we apply for a mortgage just with his income and if so, where does that put me with ownership of the house.

If anyone has any advice I would be very grateful!

Thrugelmir

Immediately the issues you face are that your husband would need to declare you as a financial dependent. The deposit is in part yours which by default gives you an interest in the property. Pretending you don't exist is therefore a non starter.

Perhaps you'd receive better assistance on the forum by indicating the nature of your poor credit record. Thereby looking forwards with what might be possible. Poor credit history isn't for life.

Pixie5740

What is making Experian (who don't lend money I hasten to add) rate you as very poor? Any defaults, late payments, CCJ, not on the electoral register?

DCFC79

Get a copy of your files from Noddle and clearscore.com, I suspect they will report the same but no harm in checking them since lenders could check all 3 or just 2 of them.