Nobody, it seems, will give her a mortgage without me being on the mortgage too. But I’m 64, ill and have an IVA cleared about 13 years ago. Because of my age and poor credit history, I believe any joint applications will fail. Most high street lenders will look upon bad credit remortgage applications in the same way they’d consider, and probably turn down, initial mortgage applications from people with bad credit. From a financial standpoint, a history of bad credit or an existing bad credit score is indicative of poor money management skills, and this makes those applicants a high risk for lenders. Save for a bigger deposit. You may need a larger deposit if you have bad credit - for example around 20-30%, instead of 5-10%. Low-deposit mortgages often have tighter acceptance criteria, so the more deposit you have, the better chance you have of finding a mortgage you're eligible for. If saving more isn't an option -