Re-mortgage after 2 year fixed and add on partner

Gem_M90

Hi everyone, 
I haven't yet completed on my first house (due Feb 2021) however I've just been thinking about a few details of my mortgage and had a few queries just for future reference. I had to use the home builder's recommended broker and they weren't the best for queries if I'm honest. 
Basically, our situation was my partner's credit file was very poor and it worked out far cheaper for us to apply for the mortgage in my name alone for much more competitive rates. As my partner has 2 years to go before his defaults drop off, the broker got us a 2 year fixed mortgage with Halifax with the intention of re-mortgaging in 2 years time and including my partner, all seems reasonably straightforward. 
However, where I'm confused as to how it works... he's pushed for the mortgage over 39 years...which I was never comfortable with, however he said as we'll be remortgaging in 2 years it won't make any difference and when we remortgage we'll simply decrease the term then...albeit the payments will increase but we will then have 2 wages to include for affordability. 
Is it really that simple?

MFWannabe

When the 2 years up you can either change the term or keep it the same and overpay, thereby reducing the term and paying less interest that way. 
You can also overpay if possible as soon as you get your mortgage 
As long as your mortgage allows overpayments that is 

Gem_M90

MFWannabe said:

When the 2 years up you can either change the term or keep it the same and overpay, thereby reducing the term and paying less interest that way. 
You can also overpay if possible as soon as you get your mortgage 
As long as your mortgage allows overpayments that is 

Thank you. Yes we're planning overpaying from the start. The deal the broker has set up means the monthly payments are actually £100 less/month than our current rent payments so we're planning to pay the same as we've been paying on rent anyway at the minimum as that's what we're used to paying and then overpay more as and when we can. 
Just seeing the 39 years figures scares me!

getmore4less

Can you add someone where HTB(Scotland) has been used.

Contractual term sets the contractual payment. 

What you pay determine real term. 

Gem_M90

getmore4less said:

Can you add someone where HTB(Scotland) has been used.

Contractual term sets the contractual payment. 

What you pay determine real term. 

I did ask the broker/solicitor when applying for the HTB if we would be able to do this in 2 years time and they said it won't be an issue we just have to seek the proper permissions from them. My partner is named on the Help to Buy part (I know it all works differently in Scotland and England so its confusing when I try to look for information). If we werent able to add him on until we'd paid back the HTB share then we'd have to go with that.