Page 1 of 1
Posted: Tue Aug 26, 2014 2:03 pm
by barty9
My partner has a good credit history and mine is poor (Full and Final settlement IVA agreed 18 months ago)
Would we ever be able to get a joint mortgage now? or is it worth trying again in 4.5 years time?
Thanks
Posted: Tue Aug 26, 2014 2:11 pm
by Shining
Hi, if the mortgage is to go in joint names then I personally would think to wait until your credit file is tidied up. 6 years from date of IVA things should start looking much better and then a joint mortgage might be possible.
We have Ryan and Shaun our resident mortgage experts who post on the forum their contact details can be found in the ask experts a question link to the left, might be worth a word just to get clarification from an expert and then be able to forward plan.
Posted: Tue Aug 26, 2014 2:13 pm
by barty9
thank you Lesley - much appreciated.
Posted: Tue Aug 26, 2014 2:35 pm
by Shining
more than welcome and anything else you only have to ask the forum. All the best for your future.
Posted: Tue Aug 26, 2014 10:03 pm
by luluj
I am sure a conversation with one or both of the forum experts will help you out....
Posted: Wed Aug 27, 2014 12:14 pm
by Ryan
Hi,
This might be possible, but i would need to know a lot more information from you. You would need about 30% to 40% deposit though.
If this is possible please get in touch directly.
Could your partner do this in their name only?