Forum Home» Mortgages & Endowments

Financial Associate and Sole Mortgage Application

New Post Advanced Search

Coronavirus: The latest from MSE

The MSE team is working extremely hard to keep the info we have about your travel rights, cancellation rights, sick pay (and more) up to date.
The official MSE guides: UPDATED MSE Coronavirus Guides


New, free ‘Academoney’ course from MSE and the Open University launches
All the key areas of personal finance are covered, so that you can master your money decisions

Financial Associate and Sole Mortgage Application

edited 30 November -1 at 1:00AM in Mortgages & Endowments
blaise802001blaise802001 Forumite
2.1K posts
Part of the Furniture 1,000 Posts Combo Breaker
edited 30 November -1 at 1:00AM in Mortgages & Endowments
Hi guys. Just looking for some advice. I am an eternal pessimist and natural born worrier.

I have a joint account with no overdraft with my boyfriend, which we only opened last year. He has 2 ccjs from 2016 for £400 and £350 which are now almost paid off. He also took a payday loan out last year which is now paid off and is also paying off a logbook loan. All of these are coming out of our joint account. He never intended to be in this position he just didn’t realize how his decisions could impact others.

I am currently looking to buy and I have had an AIP from Santander in my sole name for approx £170k. I have seen a property and am wanting to go ahead with an offer but am now really nervous about Santander declining my app. I have a sole current account that I have had with Santander for 8 years with no problems and also a credit card with them again with no problems. I have total debt of approx £10k and I have a very good credit score according to check my file.

Does anyone think I may encounter problems. I have a mortgage broker and he believes that it should be ok.

Sign In or Register to comment.

Quick links

Essential Money | Who & Where are you? | Work & Benefits | Household and travel | Shopping & Freebies | About MSE | The MoneySavers Arms | Covid-19 & Coronavirus Support