Hi I was seeing if anyone knows how a dmp would effect my husbands mortgage application? We have seen a shared ownership house we have fallen in love with have the 10% deposit 15% if needed for a 30% share of a £172k house (£51k mortgage) my husband is the sole earner (self employed) myself and the 2 children are listed as dependants but my husband is going sole on the mortgage as his deposit income etc and we have no financial connections at all no joint anything on experian we are not listed as financial associates and cannot see any mention of me on his previous addresses etc. I was put in a dmp 7 years ago and unfortunately still am. on my credit file all the defaults are gone and now my credit file is clean, my question is is there any chance that his mortgage can be refused because of my dmp? Is there any way of tracing it in solicitors checks etc even though I'm not going on the mortgage? We already have a dip from halifax my husband has no debt 1 default from 3 mobile (genuinely should not be on their mistake and won't remove) for £100 that was nearly 6 years ago and 3 arrears on a mortgage payment that also was with halifax but the mortgage was cleared on the 3rd late payment date also almost 6 years ago. Sorry to waffle xx
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