the reason to the question you asked is the property is owned by me as it was an ex council right to buy I was the tenant of the property not my partner but we had to go for a joint mortagage as my partner was the ownly earner at the time. but the deeds to the property are mine. you say that in the ...

my partner is considering doing an IVA as we have a joint mortgage I am worried that it will affect my credit avaiablity even through I own the house not my partner