Im hoping you guys will be able to advise me on the following.
I had a really bad time with money about a year a go, racking up unsecured debt i really struggled to pay back. Im now with StepChange paying it all back but obviously my Credit profile is shocking.
My partner on the other hand is brilliant with money. She has a near perfect Credit profile and is the one who is getting me sorted.
We both have mortgages at the moment, but would like to sell our own individual places and buy a place together. The only thing I am worried about is the state of my credit.
To add a bit more background, I earn c.£37000 per annum, whereas she earns c.£1200 so I will be paying the majority of the Mortgage.
Will my poor credit stop us getting a joint mortgage, or will we be able to use our joint income/credit score to secure one?
I had a really bad time with money about a year a go, racking up unsecured debt i really struggled to pay back. Im now with StepChange paying it all back but obviously my Credit profile is shocking.
My partner on the other hand is brilliant with money. She has a near perfect Credit profile and is the one who is getting me sorted.
We both have mortgages at the moment, but would like to sell our own individual places and buy a place together. The only thing I am worried about is the state of my credit.
To add a bit more background, I earn c.£37000 per annum, whereas she earns c.£1200 so I will be paying the majority of the Mortgage.
Will my poor credit stop us getting a joint mortgage, or will we be able to use our joint income/credit score to secure one?