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Skipton
axel132132
Posts: 101 Forumite
Hi,
I did a joint application (Well my broker did) for me and my partner through Skipton and Halifax. We got declined and i assume its because of her credit (she had payday loans, defaults, unpaid loans etc etc)
If we have been declined together does this mean that if i try on my own it will link to our dual application and i will instantly be declined on my own?
Please Help as they were two good ones for 10% deposit on new build propertys
I did a joint application (Well my broker did) for me and my partner through Skipton and Halifax. We got declined and i assume its because of her credit (she had payday loans, defaults, unpaid loans etc etc)
If we have been declined together does this mean that if i try on my own it will link to our dual application and i will instantly be declined on my own?
Please Help as they were two good ones for 10% deposit on new build propertys
0
Comments
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From one of your earlier threads it appears your credit history wasn't perfect recently.0
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you need a new broker I suspect who specialises in adverse credit. Did you give all 3 credit files for both of you to the broker?"It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
G_M/ Bowlhead99 RIP0 -
Halifax only lends 90% on specific builders' property and via specific specialist newbuild brokers.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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Thrugelmir wrote: »From one of your earlier threads it appears your credit history wasn't perfect recently.
Twas a default 5 years ago which will be removed as it was o2 fault
and
Id been in my overdraft in last 3 months
Thats about it, surely thats not classed as bad credit?....... Or is it
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If that is all your bad credit and you can afford it on your steam, then it may be best to apply on your own.
Some lenders won't like this, some won't be bothered.
One for a broker.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 advice0
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