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samtheman

Joint Mortgage - Partner Reducing Chances?

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I am currently applying for a joint mortgage with my partner. Although I would be able to afford the mortgage by myself (large deposit, salary sufficient to cover payments), I'm not too keen on spending over a third of my salary simply on mortgage payments so have agreed to a joint mortgage.

She is not a UK citizen (although she is an EU citizen).

My partner has only been in the country for just over 2 years and although she paid off a personal loan during that time and has had a bank account, her credit history is not very extensive. Ideally, I would want to apply by myself and add her to the mortgage immediately afterwards, which I am guessing is not possible.

Considering that my deposit/income would allow for a sole mortgage, will the lender "overlook" (to a certain extent) the credit history of my partner? This may sound like an unusual question but we were able to obtain a small personal loan (now paid off) for her by making a joint request with Santander when she arrived in the UK with no credit history.

The credit history is, as mentioned, clean but I fear that a joint mortgage adds more factors that can go wrong.

We have an AIP but I doubt the checks were as thorough as they will be for a full application.

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I am currently applying for a joint mortgage with my partner. Although I would be able to afford the mortgage by myself (large deposit, salary sufficient to cover payments), I'm not too keen on spending over a third of my salary simply on mortgage payments so have agreed to a joint mortgage.

She is not a UK citizen (although she is an EU citizen).

My partner has only been in the country for just over 2 years and although she paid off a personal loan during that time and has had a bank account, her credit history is not very extensive. Ideally, I would want to apply by myself and add her to the mortgage immediately afterwards, which I am guessing is not possible.

Considering that my deposit/income would allow for a sole mortgage, will the lender "overlook" (to a certain extent) the credit history of my partner? This may sound like an unusual question but we were able to obtain a small personal loan (now paid off) for her by making a joint request with Santander when she arrived in the UK with no credit history.

The credit history is, as mentioned, clean but I fear that a joint mortgage adds more factors that can go wrong.

We have an AIP but I doubt the checks were as thorough as they will be for a full application.

This isn't the question. The question is, is she a permanent fixture in your life? (As much as anyone can know that). If not, take the mortgage yourself and get something from her as a contribution to expenses. Otherwise if it all goes pear shaped that large deposit could rapidly become a small deposit once everything is sold up and split in half.

Never underestimate just how screwed up the legal system is against a regular bloke trying to do the decent thing.

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Never underestimate just how screwed up the legal system is against a regular bloke trying to do the decent thing.

This, unless you're married, then dont bother with a joint mortgage, she could easily take half of what you have built for your self, and the law allows it, if the mortgage is solely in your name its hard for her to prove she is entitled to half. Get all bills in your name too

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