Mortgage is in my wife's name but

Options
pioneer22
pioneer22 Posts: 523 Forumite
First Post First Anniversary Combo Breaker
in Mortgages & endowments
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?

Comments

  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Name Dropper Photogenic First Anniversary First Post
    Options
    Past payments will have no bearing.
  • ACG
    ACG Posts: 23,729 Forumite
    First Anniversary Name Dropper First Post I've helped Parliament
    Options
    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.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.2K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.3K Work, Benefits & Business
  • 608.1K Mortgages, Homes & Bills
  • 173.1K Life & Family
  • 248K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards