Buying a house can be one of the most important things that you will ever do in your life. It’s also one of the most expensive. If you’re buying a house together with someone else, especially when that person has a bad credit history, the process can be more complicated. But with the right mortgage advice, you can get a bad credit mortgage and buy a home without having to worry about it.

Read about what credit score mortgage is required for a mortgage on our blog.

Can I get a Mortgage if my Partner has Bad Credit?

When one partner has a bad credit score, applying for a mortgage can be difficult. In the UK, if one person’s credit score is low, the whole application may be rejected. However, there are ways to get around this. Yes, you can get a joint mortgage if your partner has a bad credit score but you may need to contact specialist lenders.  There are some bad credit lenders who could help you with joint mortgage applications.

As your partner’s credit history will be viewed alongside your own. Most lenders will add your credit score together and you will need a have a minimum credit score to be considered for your mortgage application.  So, if one of the partners has a considerably good credit score, it will help you with a mortgage affordability check.

Mortgage Lenders for Joint mortgage one with bad credit

If you’re looking to get a mortgage with bad credit, there are a few options available.

Some of the best lenders for joint mortgages with poor credit include:

  • Kensington
  • Alderemore
  • Precise
  • Kent Reliance
  • Pepper Money
  • and other more specialist lenders

As one of the partners has a bad credit report, the probability of getting rejected increased. Because of this, the safest thing is to contact a mortgage broker before starting your mortgage application.

Getting a joint mortgage when both applicants have bad credit

An adverse credit rating could be caused by various activities such as CCJs, bankruptcy or the late payments of any credit agreement.

The first thing to note here is that a credit rating is not the only thing that a mortgage lender will look at. Lenders are also concerned by your ability to pay the monthly payments of your mortgage. Every lender has different criteria for checking your mortgage affordability. There is more probability of getting your joint mortgage approved if both the applicant has an excellent credit score. But if one of the partners has a poor credit score, it would be difficult for some mortgage lenders to approve the loan application.

We suggest you get copies of your credit file and email them to us. It is best to check dates and details of any defaults, CCJs, missed payments. This can be done by following the link below:

Sign up for 30 days free access to credit file

If one of the partners has a poor credit score, you can contact a specialist mortgage broker to help you with your mortgage application.

Adding a partner who has bad credit to an existing mortgage

Yes, it is also possible to add a partner who has bad credit to your existing mortgage. Most lenders will approve your request of adding an additional borrower to your mortgage. Although, it could be difficult if the other partner has an adverse credit condition. There are also some additional costs are involved while adding someone new to your existing mortgage such as solicitors’ fees, administration fees. The perfect solution is to contact a specialist mortgage broker before starting your application.

Types of Bad Credit History that Can Cause Problems for Joint Mortgages

If you have bad credit issues, they may be a problem when applying for a mortgage. Some of the issues are mentioned below:

-Late payments

-Debt collectors



 If you have some of the issues as above, it’s always better to contact a mortgage broker to help you with your application.

In addition, mortgages are also a big commitment and it’s better to understand that both partners are ready to pay monthly repayments including interest rates and other fees.

You can read about the guarantee’s mortgages on our blog.


Will having bad credit affect a joint mortgage application?

If one partner has bad credit, it may affect the joint mortgage application. The higher the bad credit score, the less likely the group is to be approved for the loan.

Can a guarantor mortgage help if one partner has bad credit?

A guarantor mortgage is a great way to get a mortgage with someone else’s help. If the other partner has a good credit score, they can agree to be responsible for the mortgage payments if one of the other partners can’t make them.

Can I add my partner to my existing mortgage if they have bad credit?

Yes, you can add your partner to your existing mortgage. This is called a joint mortgage. When you add a partner to your mortgage, their credit score will be taken into account when deciding whether or not you are approved for the loan.

What happens to a joint mortgage if one of you goes bankrupt?

If one of you goes bankrupt, the other partner is still responsible for the mortgage payments. The bankruptcy will not affect the joint mortgage.