Renting with husbands bad credit score

[fredia]

Husband made some shitty decisions with finance in the last few years before I met him and his credit score is “poor”.

im completely different, have a lot of savings and a credit rating of “excellent”

as we’ve relocated for work, we’re currently living with his parents but they want us (understandably) gone in the next few weeks. We have a child aged 2 together.

I’ve been looking at rental properties and on my own I can pass affordability checks.

I earn £2500 a month, he earns £1800. We have very small outgoings, just car insurance and £20 combined for our phones.

rental properties we’re looking at are £800-£1000 a month.

would it be foolish to apply as joint tenants? Can I even apply as sole tenant if he is living with me?

im desperate to move out and have a family home. I’ve no concerns that he won’t pay his half of the rent, for the last 12 months he’s passed me money each month to manage for him.

we’ve got a viewing for a house today - would we be less attractive tenants to rent to because of my husbands score? I’m stressing

Were you renting before moving in with his parents? Can you get references? (If that is still done for rentals?)

You’d ideally both to be on the tenancy and between you would need to pass affordability checks. Does he have CCJ’s? carrying debt won’t necessarily exclude him but having missed payments or CCJ’s won’t look good.

it is possible to have the tenancy in just your name with your partner as a permitted occupier but some landlords are wary of this.

'he’s passed me money each month to manage for him.'

You aren't his personal financial secretary or his mum. He needs to grow up. I personally wouldn't be joining anything financially with him until he showed he was a responsible adult. It will all be ok until you get resentful or he fucks up.

The tenancy will have to be joint, but if you could afford it on your own then many Landlords would accept you.

isn't renting a soft check anyway? Just basically checks for CCJ's?

My score was poor before, due to my ex spending £10k on a credit card without my knowledge. And i've never struggled to rent even on my own in the past