Applying for mortgage but large loan

[hyd]

We have had a mortgage with the same company for years.
we have just switched deals every few years so a v easy process.

My partner wants to borrow more money on the mortgage. He doesn’t know that I have a loan for 10K, and I also have an overdraft of £1,000.

Basically, I’m terrible with money. I’m sure I have a shopping addiction, which gets worse when I’m stressed or unhappy (with work).

I really don’t want my partner to know the extend of my debts as he will likely leave me. Would he need to see my documents and my loan information to apply for the increase in mortgage? I’m assuming there’s no way out of this but to be honest. I can also imagine it’s unlikely they would give us more money given my spending. His credit rating is really good and he’s great with money.

Yes, he will probably find out
No lecture from me as I have been in your position and worse but please do try to stop as it will have long lasting effects on your life and the lives of those you love.
The best way is to actually tell your Partner and ask for help, get him to take charge of finances and maybe give you an allowance or similar. You probably can't stop on your own but you need to before it gets much worse than £10K
I wish I had come clean to DH earlier as I would have had to stop then

Why does he want to borrow more money?

Is money shared fairly in your household? Quite often women say they're terrible with money, but when you unpick it, what emerges is that they have less personal spending money than their partner and most of it goes on DC, meaning they have very little for themselves. Could this be happening here?

There are lots of people with similar situations, and a positive for you is that loan size is not at all uncommon and needn't necessarily mess everything up for you. This could be the start of a new life for you, one where you are honest and get some help and work together to move forward, even if it means he "takes the reins" a bit with your access to money. See a good broker and the mortgage may well not be a problem, you are working and (I assume) making the loan repayments, and decent partner would see you have a problem and would help you with it.

Oh thanks so much everyone for not giving me a hard time.

I told him today. He’s furious and says he’s leaving, but I’m hopeful that he won’t.

I definitely need him to take charge with my finances, or even get him to go through my monthly statements with me so I won’t overspend!

I’ve been in touch with someone from a spenders anonymous website, so will see what happens.

He does earn between £1,000-1,500 more than me a month. He is very good though and does pay for any extras such as takeaways, days out, holidays etc.