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    • pioneer22
    • By pioneer22 9th Jul 17, 10:17 PM
    • 428Posts
    • 159Thanks
    Mortgage is in my wife's name but
    • #1
    • 9th Jul 17, 10:17 PM
    Mortgage is in my wife's name but 9th Jul 17 at 10:17 PM
    I have been making payments and contributions to the mortgage since 2012. I have adverse credit.

    Am I able to use these payments to be able to be added to the mortgage at all?
Page 1
    • Thrugelmir
    • By Thrugelmir 9th Jul 17, 10:23 PM
    • 58,462 Posts
    • 51,843 Thanks
    • #2
    • 9th Jul 17, 10:23 PM
    • #2
    • 9th Jul 17, 10:23 PM
    Past payments will have no bearing.
    Financial disasters happen when the last person who can remember what went wrong last time has left the building.
    • ACG
    • By ACG 9th Jul 17, 10:33 PM
    • 16,832 Posts
    • 8,784 Thanks
    • #3
    • 9th Jul 17, 10:33 PM
    • #3
    • 9th Jul 17, 10:33 PM
    Making payment will not enable you to go on the mortgage.

    If you have bad credit, you need to find a lender where you will fit criteria and are likely to pass a credit check with them. Or speak to a broker and get them to do the donkey work. Also bare in mind you will need to pay for a Transfer of equity (even if the remortgage includes free legals).
    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.
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