If a married couple with one person working applies for a mortgage can they apply in one name (the person with income) to prevent and ICB check on the person with no income?
My cousin has a credit union loan that his wife does not know about and does not want it to appear on any ICB check. His wife is working - private sector earning approx 80k per annum. He is currently out of work.
I heard somewhere that if you are married you have to apply in joint names for the mortgage which my cousin disputes so i just want to clear it up so he doesn't get himself in trouble. Obviously a joint application would result in an icb check on both parties.
Would appreciate any info that may clear this up for me.
My cousin has a credit union loan that his wife does not know about and does not want it to appear on any ICB check. His wife is working - private sector earning approx 80k per annum. He is currently out of work.
I heard somewhere that if you are married you have to apply in joint names for the mortgage which my cousin disputes so i just want to clear it up so he doesn't get himself in trouble. Obviously a joint application would result in an icb check on both parties.
Would appreciate any info that may clear this up for me.