Sole application for married couple

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we are able to potentially accept applications in sole names where the applicant is married and the husband or wife will also be residing in the property. For example, a couple may wish to keep their financial affairs separate to avoid any unwanted disputes if they were ever to split which is sometimes common when people remarry.

Policy Notes:

For purchase applications where the borrowers are married or a couple who are co-habiting, the mortgage must be applied for in joint names

For remortgage applications, the mortgage should be in joint names unless the existing mortgage is in a sole name, when it will be in order to proceed in sole name if required

Warning Notes:

It is not acceptable for a remortgage application to be made in a sole name, where the existing mortgage or property is held in joint names purely because the other partner has an adverse credit history

• general
• Policy

Last updated:

29 August 2018