Partner buying a house

Get expert opinion. This is the place for new questions to be posted.
3 posts Page 1 of 1


User avatar
Posts: 1
Joined: Wed Apr 28, 2021 3:09 pm

Post by ebonee » Wed Apr 28, 2021 3:09 pm

My partner is buying a house and was hoping to put my name on the mortgage. The full deposit will be coming from him and any money that I put towards monthly bills will most likely be lower than what I am paying in rent now. I have been on an IVA since 2019 and didnt know whether it was worth a try or if it would be less hassle for the house to just be in his name.

Any advice would be great, thanks.


User avatar
Forum Expert
Posts: 77170
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Wed Apr 28, 2021 3:22 pm
You will not be able to put your name on the mortgage and it will also impact his credit rating if you have any joint finances.

You can always be put down as a lodger for the purposes of your IVA.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.


User avatar
Posts: 33396
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Wed Apr 28, 2021 3:27 pm
As Kallis says, you will not be able to be part of the mortgage without becoming a part owner on the title --- which would then open the property to your creditors in the form of equity release later on. Also from the IVA point of view, you cannot take on any credit of that sort ... even if your partner is paying for it all, legally the debt would, in part, be yours as well.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
3 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”