Poor Credit Record

Posted on 27 February 2012 by Mike

We are looking to purchase a flat in the next couple of months as we recently got married.

My wife has saved £50k for a deposit and we hope to put down 30%. She has a perfect credit history and earns enough to meet lender's affordability criteria. However, I have a very bad credit rating- with lots of defaults.

Can she still get a mortgage if it is only in her name?  I understand that the property will be solely in her name, but most mortgage companies do ask for the spouse's name and address.


If you have any joint financial connections, such as a joint current account, credit card or even rental agreement, a credit check on your wife's name will bring up your credit history and will inevitably lead to her getting a lower score than she would on her own.  If you do not have any joint financial associations then your credit record should not show up.

However, Lenders will want to know why you are not being named on the mortgage and some of them will not accept an application if it is due to a poor credit record.

Depending on how long ago your defaults occurred, there are lenders who will consider a joint mortgage application and it is worth getting a copy of both of your credit files from Experian, Equifax or Call Credit so that you know exactly what is going to show up before you apply.

I believe we can help you once you have this information and that you would benefit from speaking to one of our independent mortgage advisers.  Please call 0344 346 3672 and tell the consultant the date and title of your question, they will then be able to help you find the right mortgage for your situation.


Answers provided in response to Ask the experts are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.

We recommend you seek professional advice with regard to any of these topics where appropriate.

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