If this is better in the Money topic let me know and I will ask for it to be moved :)
Who would you recommend talking to about a part ownership mortgage? A particular lender, or a particular broker?
We hope to buy with part ownership next year and we really want to do it using my income alone- does anyone know if you have to have your spouse's income taken into account for these schemes? I have a long settled default which is due to drop off my credit file next August, and apart from that a clean credit record. I worry that the old default, plus wanting to use only one of our incomes (DH's doesn't take us over the limit to part buy or even bring us close to it, so that's not a concern), plus it being shared ownership, means we won't be able to get a mortgage at all yet. If that's the case we have the possibility of doing rent- to-buy for up to 5 years but I would like to know whether we have a genuine chance of getting a mortgage for a part share within the next 12-18 months.