Hello Tricia. Welcome to the forums.
Thank you for reaching out to us.
Yes, you can still move forward with getting a home loan even when your partner has with bad credit
However, if you have too many credit enquiries on your credit file
, then you can be seen as a high-risk borrower.
In most cases, most major lenders prefer it if you have less than two enquiries over the last six months. There are some lenders who are stricter and will ask for explanations as to why the enquiry is on your credit file in the last two years.
The reason you provide to the lender is a determining factor on whether your home loan will be accepted or not.
Our mortgage brokers have worked at credit departments of many banks and specialist lenders so they understand exactly how lenders assess bad credit home loan applications like yours.
We work with specialist lenders who offer competitive bad credit home loans.
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 with bad credit.