To think we can do this (mortgage)

[hilithi]

Posting for traffic

I have terrible credit (cant even get a bad rate mortgage)

Df & I live in a house that is solely in his name, the mortgage is in his name & my half of the house was inheritance (ringfenced)

We want to move in the next year or 2 but my credit still wont have improved enough by then meaning we are still only relying on his income.

I run a business, could I not add him as a director or shareholder so that we can say that's his 2nd income to increase borrowing ability?

Well you could but you would have to pay him out of the business and head be heavily taxed on a second income. They would want to see pay slips so you couldn’t get away with just saying you were paying him. But if that’s what you intend then of course you could pay him from your business too,

I mean no disrespect @hilithi but why have you not approached an IFA for proper advice about this?

Your business- sole trader or not? Are you turning a decent profit? They generally want to see two years worth of good earnings.

Why is your credit rating so bad? What can you do now to improve it?