Can married couple apply for mortgage in one persons name?

[Rebel redz]

Hi - I’m married with 2 kids. We have been gifted a site to build and so we are looking at selling the house we live in now. House was bought 5 years ago, I got the mortgage in my name with AIB a few months before I was married.
My husband has a bad credit rating and so my question is can I apply for a mortgage on my own ? I also need to work out if the planning is in both our names - would that affect a mortgage in one persons name?

 

[Monbretia]

Unlikely, most lenders insist that if married the family home mortgage is in joint names. Check with a broker in case there are any lenders that don't have this requirement but it's fairly standard.

How bad is his credit rating? Ask the broker about that too as there are some lenders who will take on that sort of thing but of course probably depends on whether it's a small blip or something really big!