Advice, I have been naughty will it affect hubby when it comes to the mortgage??

[HappyNewYearFeet06]

I am so with myself but cannot change it now.

I got behind on credit card payments that dh doesn't know about, in my name.

He got a mortgage nearly 2 yrs ago that is coming to an end and he wants to change the mortgage plus add some to it to clear a credit card that he has. Will what I have done affect him getting a new mortgage, changing mortgage companies etc...

I am so clueless when it comes to anything to do with the mortgage as it is all in his name.

Just want to know.

You're better off not telling the mortgage company that you want the extra money to clear debts. They don't look on it very favourably and it could mean you would be on a higher interest rate.

If you tell them it's for home improvements then they are more likely to give you a better rate.

I only know this because we were told by our bank woman that was the case. Once you've got the money then obviously it's up to you what you do with it.

Don't know anything about the credit rating thong though, sorry!