InfoSeeker
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I am building a house with my girlfriend starting next March and the cost including furnishing will be approx 250k.
I have some outstanding debts and was wondering if it was better if we both apply for the mortgage or just do it in her name.
I have 34 months to run on a loan costing 450 per month.
Also I have 2 credit cards; 2k with AIB and 6k with MBNA.
I have never missed a repayment.
I earn 40k per year and live at home with my parents.
My girlfriend earns 55k and have about 50k equity on a house she bought 3 yrs ago.
So can anyone let me know if financial institutes check credit card balances, eg: if I go with BOI then will they access balances with AIB and MBNA. I think I read before on another thread that MBNA amounts show up, is this correct?
Any advice is greatly appreciated.
I have some outstanding debts and was wondering if it was better if we both apply for the mortgage or just do it in her name.
I have 34 months to run on a loan costing 450 per month.
Also I have 2 credit cards; 2k with AIB and 6k with MBNA.
I have never missed a repayment.
I earn 40k per year and live at home with my parents.
My girlfriend earns 55k and have about 50k equity on a house she bought 3 yrs ago.
So can anyone let me know if financial institutes check credit card balances, eg: if I go with BOI then will they access balances with AIB and MBNA. I think I read before on another thread that MBNA amounts show up, is this correct?
Any advice is greatly appreciated.