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Mortgage Question

  • 31-08-2015 10:51am
    #1
    keysersoze0330
    Registered Users Posts: 2,051 ✭✭✭


    Hi all,

    Couple of questions. I'm married 3 years with 1 child. We were going to be applying for a mortgage in the next few months, however... My wife is not working and her credit is a disaster. It looks like I will be applying for this mortgage myself.

    1) Is this ok. Can i apply myself for this mortgage being married. Will the bank query this? Will it be an issue?
    2) Will my wife be able to get her name on the deeds also, down the line?
    3) Are there any other forseeable problems with this situation?

    Thanks in advance.

    Sorry posted in wrong place. If mod could move to Banking please


Comments

  • #2
    Spear
    Moderators, Computer Games Moderators, Technology & Internet Moderators, Help & Feedback Category Moderators Posts: 25,539 CMod ✭✭✭✭Spear


    Moved from N&F.


  • #3
    Trish56
    Registered Users, Registered Users 2 Posts: 1,256 ✭✭✭Trish56


    Once you're married you must apply for a mortgage in joint names. You need to apply to www.icb.ie for a credit check for your wife just to see how bad her credit rating is.


  • #4
    keysersoze0330
    Registered Users Posts: 2,051 ✭✭✭keysersoze0330


    Trish56 wrote: »
    Once you're married you must apply for a mortgage in joint names. You need to apply to www.icb.ie for a credit check for your wife just to see how bad her credit rating is.

    Thanks Trish56. Its pretty bad. Loans and credit cards not paid off from 10-15 years ago. The lenders aren't even following them anymore. When this comes to light how will it affect my chance of purchasing a home with her. I'd guess no chance?

    Is there any way i could purchase on my own/ with a parent?

    Edit: I'm not condoning the non-payment of these debts but that's another days work. They will be repaid regardless. I'm just forward thinking!


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