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Mortgage with partner

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Afternoon all


My partner has a got a mortgage in her sole name, as my credit is very poor, After 5 years i will be put myself on the mortgage as soon as i got my credit score to a better standard


My qurestions are:


What things might link us financially?


We are doing house insurance is that okay to put my name on as saying i live in the house or will that link us?


I understand things like sky, virgin media, etc will link us financially


Just dont want to get in a position where i effect her credit rating


Thanks in advance


Journey Man

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Anything that requires joint credit will link you. You can spend the next 6 years cleaning up your act that will show you in good stead when the things that don't drop off your file. So keep your bank account in good order for example. Why would you get house insurance? It's not your house. She will have to do this.


Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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