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first time buyer - bad credit - whats best

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  • 16-11-2012 10:06pm
    #1
    DaniB
    Registered Users Posts: 60 ✭✭


    Hi

    Just looking for a bit of advice/feedback please.

    Im saving for a deposit, will take me a year between me and my partner, i dont exactly have a great credit rating but its not awful. Im just wondering, whats the best thing to do when applying for a mortgage.

    We would need to show proven record of savings, is it best we have a joint account showing we are putting in a grand a month between us or should my partner with no loans ever etc just having his own account and him going for mortgage instead.

    i dont want to do it jointly only to be told, im not suitable but then i know my partner wouldnt get mortgage on his own. I earn more and i have a more stable job.

    id be grateful for any advice.
    thanks


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  • Options
    #2
    killers1
    Registered Users Posts: 1,443 ✭✭✭killers1


    DaniB wrote: »
    Hi

    Just looking for a bit of advice/feedback please.

    Im saving for a deposit, will take me a year between me and my partner, i dont exactly have a great credit rating but its not awful. Im just wondering, whats the best thing to do when applying for a mortgage.

    We would need to show proven record of savings, is it best we have a joint account showing we are putting in a grand a month between us or should my partner with no loans ever etc just having his own account and him going for mortgage instead.

    i dont want to do it jointly only to be told, im not suitable but then i know my partner wouldnt get mortgage on his own. I earn more and i have a more stable job.

    id be grateful for any advice.
    thanks

    What exactly are the negatives that appear on your credit check?


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