Can you help?? Next year, In may 2010, we are going to be coming out of a fixed deal( 3year term). When we bought the house we were told because of my poor credit history it would be better if it just went in my wifes name. We did this with a self cert mortgage. we owe approx £88,000 on the property and its valued at around £120,000 now. we want to have this in joint names next year but are worried that my credit history will affect this. I did have a ccj, but this was over six years ago. I am currently paying off two debts. These amount to approx, £9,000. I pay monthly amounts and NEVER miss a payment. I also have a normal current account, with overdraft. I also have a credit card with the halifax. I don't owe nothing on this. every month it's payed in full and has been for the last 15 months. My wife has 100% credit scoring and always has. do you think i would be able to go through a high street bank or someone else. We both work and earn approx £45,000 pa between us.. CAN YOU HELP???? or at least give us some advise.

Thanks

col.p