Myself and my partner are looking to buy a shared ownership resale.
We have the 10% deposit, extra savings, and have a mortgage in principle. We earn circa 65k and the share is 12500 which is 30%
However I have a default on my file that's 3y.5 years old and some late payments from a time when I split with my ex partner. My partner has a near perfect credit score.
The mortgage company have seen all of my credit history and are still happy to lend, but the HA want to credit check too. Is it possible to be accepted by the mortgage company but not the Ha?
I'm worried that I'm going to ruin my partners chances of buying.