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Am I a Homeowner?

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When applying for credit, what option shoild I tick? Homeower - with mortgage OR renting?

I live with my husband, he has a mortgage (in his name only) for the property we live in. I am not named on the mortgage at all, but we are married. I do, however, pay a set amount into our joint account each month which is used for the mortgage, bills, etc. Therefore, do I select mortgage or renting when applying for credit?

Thank you in advance :-) 

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  • Belenus
    Belenus Posts: 2,756 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    edited 15 October 2024 at 2:26PM

    Am I a Homeowner?


    Whose name or names are on the deeds of the property?

    His name only or both your names or something else?
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  • Brie
    Brie Posts: 14,749 Ambassador
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    You're not renting therefore you are a homeowner.  There is a mortgage even though you don't pay for it directly.

    You would have a portion of the home if you split so again - homeowner.
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