Thank you for reaching out to us and welcome to the forum.
This is not an uncommon situation to be in and you can apply for a home loan, even if your husband has bad credit.
Before applying for the loan, look into the credit file
of you and your husband by requesting a free annual copy of a credit report from Equifax or Dun & Bradstreet. You can also make use of our credit score calculator
to work out potential red flags.
If there is any incorrect information on their credit file, correct them immediately by contacting the credit reporting body as defaults, even when paid could stay in the credit file for up to 5 years.
If you had applied for a loan with major banks or lenders, then this could leave an enquiry as a record of your loan application with them.
To avoid more credit enquiries which decrease your credit score, you can contact our specialist brokers to look up your credit file to identify all the issues banks may have and carry out a full assessment to figure out which lenders would accept your situation.
Give us a call on 1300 889 743
or fill in our free assessment form
to find out if you qualify for a home loan, even if your partner has bad credit.