Mortgage without spouse

Ailvz

My partner and I are engaged. I have a bad credit rating and have previously owned a house. My partner has a great credit rating and would be a first time buyer. Can anyone tell me if he would be able to get a mortgage on his own without my details after we are married and still be able to be down as a first time buyer? Or does a spouses details have to be included. Should he buy the house before we get married?

Bank of Ireland: Aisling

Ailvz wrote: »

My partner and I are engaged. I have a bad credit rating and have previously owned a house. My partner has a great credit rating and would be a first time buyer. Can anyone tell me if he would be able to get a mortgage on his own without my details after we are married and still be able to be down as a first time buyer? Or does a spouses details have to be included. Should he buy the house before we get married?

Hi Ailvz, 

Thanks for getting in touch with us here on Boards. 

I have attached a number of links below that may help with a First Time Buyer mortgage. Alternatively, you can certainly link in with out Mortgage Specialists Team on 1890 365 615, one of my colleagues will be more than happy to go through the application with you and discuss all of your options with you. 

I hope this helps. 

Thanks, 
Aisling. 

https://personalbanking.bankofireland.com/borrow/mortgages/first-time-buyer/?utm_expid=.0fj6wFQ4RF-TW8W_E1anlw.0&utm_referrer=https:%2F%2Fwww.google.com%2Furl%3Fsa%3Dt%26rct%3Dj%26q%3D%26esrc%3Ds%26source%3Dweb%26cd%3D1%26ved%3D2ahUKEwiRlYXvlOfkAhVDsXEKHZp7CR4QFjAAegQIBhAC%26url%3Dhttps%253A%252F%252Fpersonalbanking.bankofireland.com%252Fborrow%252Fmortgages%252Ffirst-time-buyer%252F%26usg%3DAOvVaw15_neb2ztr2QeUiJfQel7-


https://www.bankofireland.com/help-centre/faq/first-time-buyer/