Hello,
I am a homeowner. At present, this home is let out. It does not have a mortgage on it.
I am considering moving in with my partner. We have a small deposit.
My credit rating isn't very good at the moment, although I am slowly improving it. What I am worried about is that poor credit will mean we can't get a mortgage and I wondered if the property I own could be used as an additional guarantee so to speak.
Thank you.