Joining current accounts before mortgage

[millSON]

I'm planning to buy a house with my fiancé soon. His house (that we live in together) is on the market and we're waiting on a second viewing of a house we think we want to put an offer on. The next house will increase the mortgage by about £110,000 so monthly payments will be much higher. We will own the next house jointly and planned to join finances too. He's suggested getting a joint account now and putting the difference between current and future mortgage into savings so we get used to the increased living costs and build up some extra savings for decorating. He also thinks sharing an account will help him reign in his spending and be more conscious of costs. Does anyone know if this will have a big impact on our credit score so close to applying for a mortgage?

Before anyone asks, he's bringing all the equity and earns a lot more than I do so there's no ulterior motive. We've also seen a mortgage broker so I know he has no debts, nor do I.

I’d ask the mortgage broker, but can’t see why it would-you’re not applying for joint credit. I’d be a bit nervous if he is saying he needs to reign in spending…

I’d ask the mortgage broker, but can’t see why it would-you’re not applying for joint credit. I’d be a bit nervous if he is saying he needs to reign in spending

You usually get credit checked when you open a bank account so there will be another search recorded on your file but it shouldn’t be a problem

Didn't think to ask the broker 🤦🏻‍♀️ Thank you

He does spend a lot on "stuff" but he manages to put away a good chunk in savings every month so I'm not concerned. I had to send copies of our bank statements so I can see he's not living beyond his means or anywhere close to it. I think he wants encouragement to save more because the house is a blank slate and will take some serious decorating. It's been rented for a few years so every room is magnolia with worn brown carpets or cheap linoleum. A bathroom needs ripping out, the kitchen is liveable but clearly very cheap.