Bit of background - I have shite financial history (DMP, a few visits to the bank of Wonga) and we were refused a joint mortgage based on that. Recently made an offer on a shared ownership property because it meant DH could get the mortgage on his own. AIP given, and property allocated to us by the Housing Association. After seven long weeks, his application was declined to day based on "back ground information regarding an associated third party"
Is this me? Has my credit rating STILL affected us?
Application was with Nationwide and our broker is now going to go out to other lenders to see if anyone else will give us one, but I can only assume we'll get the same response if it IS me.
Can anyone shed any light on this?