There are a number of financial institutions that may support you, however be prepared to pay a premium in your interest rates. It is unlikely that one of the high street banks will support you, and please be aware that each time you place an application, a credit search will be done. Visit a local mortgage broker and talk to them, that would be a good start but before you go, ensure you have a full list of all your outgoings and correct income to help them I hope you get the help you wantAs said by the others. But note that you will not be able to borrow more than approx. 85% of the urrent appraised value. In addition, think carefully about why you want to take on your partner’s debt. If she took out the loan with her ex, I think that they should sort it out. In addition, why should your parents get involved in this? If you cannot pay on the new mortgage, they would be on the hook for this.If her ex is on the mortgage, there is nothing you can do unless he agreed to sell the house to your partner first. Second, is there a mortgage on the property now? If so, that would have to be paid off. If this is done, then you should contact a mortgage broker and see what your options are. You shouldn’t involve your parents in this matter.Assuming that you have equity in the home and your income satisfies the DTI (Debt To Income) Ratio the bank will go off of the lower score, usually 680 middle credit score which is conforming. If your credit score is lower than that I suggest you go and try "Loyds of London". They do not use credit scores only appraisal and a good bank reference.

 

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