So, I’m getting a divorce and adding a new partner onto my mortgage- this is the only way I can afford it. We’ve gotten a MIP, I’m just in the middle of getting the house surveyed etc.
Ive got a financial consent order that I need to sign that gives me 41 days to sort the transfer, but I’ve also got a help to guy to pay off.
my partners credit score on Experian is good but he doesn’t really have a credit history, no loans or car finance no credit cards etc in the past 5 years. No phone bills or phone bill..
just because his family have a bundle so he transfers his mom, and he has a company van so no need for his own car.
I’m really concerned the offer will be declined and I’ll forced to sell my home, which by the way I have a 3 year old in. I’m worried I’m going to be homeless etc, I can’t sleep or eat.
I know nobody can tell me really if it will go through or not but is there any underwriters etc on here with an idea?
in a panic he applied for a credit card too, only £1500, but I’ve read now you shouldn’t do this 3-6 months before applying for a mortgage. We only have a MIP at this point, just feel like we’ve really messed up. I worry for my daughter ☹️