My partner and I have just been rejected for a mortgage in principle, we think because he has a CCJ which ends in July. However he did previously have an agreement in principle with his own bank, after calling and having a conversation with them. This was in the middle of the CCJ term.
I have just got one in principle on my salary alone as a test, which would cover what we want to buy.
He earns £20k more than me but is also nearly 50.
Is our best bet to go to his bank for a conversation - difficult as it's RBS and they have no branches. Also scarily difficult to actually speak to anyone at a branch!
We can't just wait for the CCJ to end as we know landlord is selling this year. Also would like to know if there is any other issue than the CCJ - his credit rating is in the middle.