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Will we be homeless because of DH

35 replies

xXwhenwillitendXx · 02/02/2022 14:45

So I've had (numerous) previous threads about LL selling our rented property.
We may of been just about able to raise the money for a deposit to buy this.
So I happily go off to a morgage advisor to see what can be done. We have affordability for hopefully the value if the property, but haven't taken this further yet (thank god)
So I check my credit report and all is good, DH checks credit report and refuses to show me. In the end he caved and told me he had some missed payments therefore morgage out the window.
He said this was not correct and he would call Vodafone to get this rectified. Okay we will see what happens. Them I find he has a 5k loan I asked him what that was about and he said it was from years ago. It blatantly said it was from late last year, he still tried to deny it. Turns out he had built up on his credit cards, the interest was getting out if hand and he took a bank loan to pay them off.
By this stage I'm fuming at the lying and keeping things from me.
Today it has come to light that in 2018 he had missed 6 months worth of payments, he insisted this was his sisters fault as she took a loan out in his name WTAF it's not anyone's fault but his.
He then admits it's his fault as he consolidated his debts in the past, however apparently this is okay because it was before me.... but the missed payments where when he was with me!!!! For 6 bloody months!!!!
He has now spoken to me and said it's fully paid and closed, but it's come up as a missed payment as he changed address Hmm.
I don't know what to believe any more.

Well that's any chance of a morgage out the window. There is no rental properties in our budget anywhere in the area and no family we can stay with.

We are f**ked!!!

OP posts:
Aquamarine1029 · 02/02/2022 17:22

Sorry, but I bet this is just the tip of the iceberg of his fuckwittery. I'd be leaving the liar. He's just an anchor around your neck.

FuckYouBing · 02/02/2022 17:28

I just wanted to say that whilst missed payments aren't good on a credit file it doesn't completely stop you getting a mortgage. I had a default and some missed payments on my credit file that were about 3 years old when I applied for a mortgage. It did mean our interest rates weren't as good but it is possible.

xXwhenwillitendXx · 02/02/2022 18:08

@FuckYouBing was that with more then a 5% deposit though??

OP posts:
FuckYouBing · 02/02/2022 18:15

@xXwhenwillitendXx it was yes, we had a 20% deposit but both of our credit ratings weren't great so there may be hope. I hope it works out for you Flowers

Outnumbered99 · 02/02/2022 19:12

Without commenting on your relationship and your other half, I can promise you the broker will have seen many situations like this, its surprisingly common. Missed or late payments don't automatically mean you can't get a mortgage, should you still want one with him. Unfortunately with many couples one party keeps things from the other that come to light at this stage of life (everything from debt to gambling habits). DO NOT be embarassed OP, for one thing this situation is not of your making and the important thing is you are moving forward in a positive direction.

Easterbunnyiswindowshopping · 02/02/2022 19:17

My dh lied to me about finances /debts /payments..
He has been my exh for 10 years now.

xXwhenwillitendXx · 02/02/2022 19:44

Thankyou everyone. It's really making me feel a bit more positive. If we can't get a morgage then I'm at least hoping we have a few months yet before we have to move out and hopefully by then there will be more rental option on the market.
As for DH I'll come the that conclusion when I've gotten over the anger and hurt.

OP posts:
Badgertastic · 02/02/2022 20:38

If you are going to continue to try for a mortgage I would highly recommend London and Country. They are a whole market broker, can tailor to your needs and are fee free.

Bringsexyback · 02/02/2022 22:36

Kent reliance will do you and Mortgage under those circumstances providing you meet the affordability.

Be honest I’m not sure I would want to buy a house with him

Dillydollydingdong · 02/02/2022 22:40

You would never be able to trust him financially. Buy somewhere on your own.

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