Any joint finances will have an impact on your ex's credit record. If you get an IVA, your mortgage provider will be informed and a marker may be put on your ex's file.
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. http://kallis3.blogs.iva.co.uk
The only thing that will appear on his file will be that he has a financial association with you. This will only impact his credit worthiness if the potential lender then goes on to check your credit file, if authorised to do so. https://www.experian.co.uk/consumer/gui ... ation.html
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk