Credit Rating For Spouse

by Canadian Friend

Regarding Credit Rating For Spouse: My husband has great credit and I don't. Can he apply for the mortgage in his name only? We are in Canada if that makes any difference.


Kate Answers: Credit Rating For Spouse

Dear Canadian Friend, I am glad you are proceeding with buying a house in spite of your credit rating. I imagine just like in the states, you can find a great real estate deal now.

I wish I knew more about Canadian mortgages because I am getting more and more questions from Readers up north! So while I can't answer to specific programs, I can say if it is anything like here, the government related programs (like our FHA and VA) may make it more difficult due to your credit history.

So please, will you do two things? First find your best local mortgage lender and get preapproved for a home loan.

Here are tips to Compare Mortgage Rates And Lenders
and The Importance Of Mortgage Pre Approval.

Secondly, I have provided links to credit help below for your convenience. Even if you and your spouse can buy a house solely in your husband's name, for the long term, you can and should work on improving your own credit.


After reading through the pages, please let me know if you have more questions.

Take a moment to bookmark Credit Rating For Spouse to your favorites and visit often for more credit and home buying tips. You can also invite friends to comment on this page or ask another question of their own like you did.

Best Wishes,



P.S. Check out Best Mortgage Rate Blog yourself! It's an entertaining source of mortgage information. Subscribe now to the RSS feed.

Return to Get Your Best Mortgage Rate homepage from Credit Rating For Spouse

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You can also ask Kate about your mortgage at How to Improve Your Credit Rating with Amazing Success.

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