Can you get a decent joint mortgage if one has a good credit rating and the other bad?

My girlfriend and I have a joint income of aroung 拢55k but whilst I have a very good credit rating, hers is bad with a number of defaults. She is with a debt management company and will clear her debt in the next two years. Do we have any chance of getting a decent joint mortgage in the next year that doesn't charge high interest rates or ask for a very large deposit?Can you get a decent joint mortgage if one has a good credit rating and the other bad?
Her credit unfortunately does effect you just as much I'm afraid. If you have a joint mortgage then you are effectively joined in so far as your credit ratings go.





Speak to an advisor. The bad credit rating may effect which companies will give you a mortgage but rest assured, you can easily get one with your income.





My mortgage was sorted for me by Mortgages %26amp; More.





020 424 8742Can you get a decent joint mortgage if one has a good credit rating and the other bad?
Unfortunately her bad credit rating will be taken into account %26amp; bring your reputation down.





I think your only options are either to get a mortgage with a mortgage broker who specialises in bad credit (who either want a huge deposit or have very high interest rate) or wait til she's debt free %26amp; maybe rent in the meantime.





Personally Id go for the temporary rental, then you'll both have less commitments %26amp; will be able to get a decent mortgage without having to pay a huge deposit or a stupidly high interest rate.
Why?