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Occupier's consent form and possible credit check
Piggywinkle
Posts: 134 Forumite
Hi,
I was declared bankrupt in Sept 16 and discharged a year later. My husband is currently in the process of purchasing a house solely in his name and assessed using only his income. I work part time so I'm not counted as financially reliant on him.
Today I received the standard occupier's consent form. I have done my own research online as I am aware of what it is about and am happy to sign it. However, whilst doing this research, I came across this old thread:
https://forums.moneysavingexpert.com/discussion/5117020
I'm now fretting in case the lender (Natwest) get wind of my adverse credit history and pull the rug from under us. Husband has had the mortgage offer through and we are waiting for the last of our searches to come back. Is it the case that Natwest do credit checks on occupiers and will withdraw in the case of adverse credit history? We have no financial associations.
I was declared bankrupt in Sept 16 and discharged a year later. My husband is currently in the process of purchasing a house solely in his name and assessed using only his income. I work part time so I'm not counted as financially reliant on him.
Today I received the standard occupier's consent form. I have done my own research online as I am aware of what it is about and am happy to sign it. However, whilst doing this research, I came across this old thread:
https://forums.moneysavingexpert.com/discussion/5117020
I'm now fretting in case the lender (Natwest) get wind of my adverse credit history and pull the rug from under us. Husband has had the mortgage offer through and we are waiting for the last of our searches to come back. Is it the case that Natwest do credit checks on occupiers and will withdraw in the case of adverse credit history? We have no financial associations.
0
Comments
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This is the best thread for that;-
https://forums.moneysavingexpert.com/discussion/2244515
and no, no credit check.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
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