We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 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!
Declaration of Dependancies
Options

Size4541
Posts: 3 Newbie

I would like to apply for a mortgage without my wife as my credit rating is far better. I am aware that this can be done but have a question regarding my children. As my wife’s salary isn’t taken into account on the mortgage due to the credit rating, can I say that my children are financially dependant on her? Frustrated as her salary isn’t taken into account as an income and everything therefore would be paid for by me. Seems unfair as we can afford a good amount for a nice home.
1
Comments
-
Or can I apply for a mortgage on my own including my wife’s salary?0
-
Size4541 said:Or can I apply for a mortgage on my own including my wife’s salary?
What makes your wife's credit history so bad that you don't want her on the mortgage? CCJ? Insolvency? A heap of recent late payments? Defaults?0 -
Size4541 said:I would like to apply for a mortgage without my wife as my credit rating is far better. I am aware that this can be done but have a question regarding my children. As my wife’s salary isn’t taken into account on the mortgage due to the credit rating, can I say that my children are financially dependant on her? Frustrated as her salary isn’t taken into account as an income and everything therefore would be paid for by me. Seems unfair as we can afford a good amount for a nice home.0
-
Thanks so far for your help. My wife’s credit history problems are due to late payments. All our money went on the kids and boarding schools, so things have been tight for years with missed payments on store cards, now we are in a great position with a lump sum coming my way, both earning up to £65K between us and this history is holding us back. I tried a mortgage on my own but due to having to declare the dependancies (4 kids) I was only able to achieve £38K mortgage!!! I wondered if I didn’t declare them as dependant on me, my wife could cover their living costs.
Extremely frustrating when we can afford a home around £210,000 as a couple (£290,000 help to buy) and on my own £180,000. I have a great deposit, but credit history when things were tight or declaring dependancies and not an additional salary means we now have to limit ourselves to the rental market.0 -
Size4541 said:Thanks so far for your help. My wife’s credit history problems are due to late payments. All our money went on the kids and boarding schools, so things have been tight for years with missed payments on store cards, now we are in a great position with a lump sum coming my way, both earning up to £65K between us and this history is holding us back. I tried a mortgage on my own but due to having to declare the dependancies (4 kids) I was only able to achieve £38K mortgage!!! I wondered if I didn’t declare them as dependant on me, my wife could cover their living costs.
Extremely frustrating when we can afford a home around £210,000 as a couple (£290,000 help to buy) and on my own £180,000. I have a great deposit, but credit history when things were tight or declaring dependancies and not an additional salary means we now have to limit ourselves to the rental market.1
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 598.8K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards