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!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Want to become a Forum Ambassador? Visit the Community Noticeboard for details on how to apply

joint application with non citizen

naturephoenix
naturephoenix Posts: 16 Forumite
in Mortgages & endowments
HI allI'm re-mortgaging in a few months, I currently have a Halifax mortgage 4. Something. We took this out mortgage 20 months ago and my wife was not a citizen so therefore was not on the electoral roll. I assume no electoral role = bad credit scoring, she was a resident though. We managed to get a joint mortgage no problem.I am now hearing lenders are tighten up their criteria for lending, how much do you think this will affect me when I want the rate the best rate for me. My wife is still only resident, not citizen.ltv = 60%me = good credit history, no missed payments, no unnsecured debt, Any comments appreciated
«1

Comments

  • Jonbvn
    Jonbvn Posts: 5,562 Forumite
    Part of the Furniture 1,000 Posts
    Hi,

    I would be very interested to read any responses to your query, since we are in a very similar position.
    In case you hadn't already worked it out - the entire global financial system is predicated on the assumption that you're an idiot:cool:
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    Is your wife a non EU national?

    How long has she been in the UK, and how long does she have left on her current visa? I'm assuming it is a spouse's visa.

    Are you an EU national?


    Has your wife built up any credit history via credit cards or loans, bank accounts etc?
    I am a Mortgage Adviser
    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.
  • Lomion
    Lomion Posts: 63 Forumite
    Part of the Furniture Combo Breaker
    When we bought our first house, my wife was still a Singaporean national. Wasn't a problem at all. She was living and working here, had a NI number and everything. Just no passport ;)

    The mortgage company just wanted to see her wage slips and her passport plus a few other things like marriage certificate etc.

    Should be OK for you too as long as you're British and as long as she has the Indefinite leave stamp in her passport.
  • naturephoenix
    naturephoenix Posts: 16 Forumite
    herbiesjp wrote: »
    Is your wife a non EU national?

    How long has she been in the UK, and how long does she have left on her current visa? I'm assuming it is a spouse's visa.

    Are you an EU national?


    Has your wife built up any credit history via credit cards or loans, bank accounts etc?


    my wife has no visa, she has a residence permit, so it's indefinite. she has been in the uk for about 5 years and yes she does have a bank account, but no loans or credit cards. She is not a eu national but i am
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    Well if she has permanent right to reside you should have no problems at all
    I am a Mortgage Adviser
    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.
  • Leon_W
    Leon_W Posts: 1,813 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    If it's indefinate then there is no problem. She would also have built up a credit history in this country as she is named as a joint mortgage holder. I wouldn't worry too much about it.
  • Jonbvn
    Jonbvn Posts: 5,562 Forumite
    Part of the Furniture 1,000 Posts
    herbiesjp wrote: »
    Well if she has permanent right to reside you should have no problems at all

    In my case, my OH has a spouses visa, and will only get indefinite leave (ILR) to remain next year (fingers crossed). We need to remortgage before we get ILR. My OH is currently studying (no income), but we have a joint bank a/c and she has her own credit card.

    The mortgage is currently in my sole name. I want to remortgage next year, at the end of the fixed deal, and change the mortgage into a joint names. Would this be a problem, or do you perhaps recommend waiting until we get ILR.

    TIA.
    In case you hadn't already worked it out - the entire global financial system is predicated on the assumption that you're an idiot:cool:
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    WHere is your OH from?

    How long has she been in the UK?
    I am a Mortgage Adviser
    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.
  • Jonbvn
    Jonbvn Posts: 5,562 Forumite
    Part of the Furniture 1,000 Posts
    Herbie,

    Please check your PM's.
    In case you hadn't already worked it out - the entire global financial system is predicated on the assumption that you're an idiot:cool:
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    Ok - will do
    I am a Mortgage Adviser
    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.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.9K Banking & Borrowing
  • 254.3K Reduce Debt & Boost Income
  • 455.2K Spending & Discounts
  • 246.9K Work, Benefits & Business
  • 603.5K Mortgages, Homes & Bills
  • 178.3K Life & Family
  • 261K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture