property

[zac1]

can u have one person on a mortage cus me an my fiance are tryin to find a place but he has a default on his credit because of a phone bill we have tried lookin at a credit report but it wont come on comuter an they say there no other way of gettin it as they wont send it out to us can someone please help

[CheekyChops]

Yes you can have one person on a mortgage but you must earn enough on your own to qualify for the mortgage. If your fiance isn't going on the mortgage then his income won;t be taken into account.

You can get a copy of your credit file sent to you, you have to write to all the three main credit reference agencies (Experian, Equifax and Callcredit) and pay them �2 each.

[Ethel]

If you have only one of you on the mortgage,only one of you will be on the Registered Title - only one of you will own it.

You would need to set up a way of protecting his beneficial interest if he is going to contribute to the mortgage and treat the property as his own.