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Adult dependents on a mortgage

3 replies

FredAstairesUnderwear · 11/06/2018 13:40

Just looking to get some information really as I don’t even know where to start so hoping others may have some experience.
DP and I are looking to move in together, DP is planning on buying a property and has been since before we got together, he continued renting over the last few years and now wants to buy somewhere that is suitable for us to live together. My credit rating is shitter than shit due to being irresponsible when I was younger and I know we would not get a mortgage as a joint application. Would DP still need to put me down as a dependent, even though I am financially independent of him (work FT and have my own savings)?
I am fully aware of the ramifications of my claim to the property if we were to split in the future.

OP posts:
PolkerrisBeach · 11/06/2018 13:42

Why if you're financially independent, would he put you down as a dependent? That's contradictory.

mistermagpie · 11/06/2018 14:38

It is a 'thing' I'm afraid. I bought the house that myself and my husband live in and some lenders considered him my 'dependent', despite him being a grown man who earned more than me! We were married though, so maybe that's why?

Anyway, my mortgage broker found me a couple of lenders who just ignored DH for the purposes of the mortgage. I went with Halifax. Dh had to sign something to say he had no rights to the property but that was it, again that was because we are married.

NotSuchASmugMarriedNow1 · 11/06/2018 15:16

Are you sure you won't get a mortgage? How many times have you applied and been turned down?

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