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Hope you can help, I was served with a schedule of inhibition after l was given a time to pay order with RBS. The debt was in my name, however l am now married. We have a joint mortgage.(which l had before my debt) We are now looking to sell our house and buy a new one but will need to borrow another 20K, which we can afford. In fact my husband could afford it himself, without considering my income. We have lots of equity in our house. So, l am wondering, will his credit rating be ruined because of me? Is there a high chance we wont be allowed more money, even though he could afford it by himself. Could he take out a new mortgage in just his name? In hope, HH