Credit History

[lunaraine]

My partner and I are looking to get a mortgage, he, however, has some bad credit, inc a CCJ from HSBC for a student account and another for car insurance in may 2003. Both were paid and settled at the time. How long does bad credit remain detrimental for things like mortgages and loans.

Also (all you clever folk out there) if his mum acts as a guarantor for the mortgage, will the rates and choices available to us depend on her status and not ours. (I understand our ability to pay would still be a factor).

Thanks in advance.