As Kallis says any joint finances will link your credit files by association and leave a stain on yours. Regarding the house -- if you are the sole owner a few firms ( as above) will try to claim she has an equitable interest and include the house in the scenario (requiring some equity release or a 12 month extension at the end of the arrangement). Again, many firms will not to this if the house is yours alone --- however the creditors might insist on the extension instead, in any case.
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