Partner needs to build credit history to get mortgage in two years?

mrt

Registered User
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My other half never borrowed a penny from a bank and wants to use her clear credit rating to build a credit history and in 2 years get a mortgage

We are not married. My credit will be screwed for at least 5 years I just paid off bad loans but my company is doing very well now.

If she got a student credit card and a credit union loan would that give her enough of a credit history?


Her income would be about 60k a year a 20% deposit wouldnt really be a problem give the above would a mortgage of 200 plus the deposit of 40, 240k be way out of range for a single person ?
 
This isn't America where you need a credit score. The lender will check the ICB to ensure you don't have a bad record. Not having one at all doesn't count against you. She should just have a clear savings record, showing she is living within her means.

Steven
www.bluewaterfp.ie
 
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