Hiya folks, Sorry for this being my first post! Well my boyfriend is looking to buy our first house. I have a poor credit background, so have agreed that he would apply and I would be named in the deeds. The thing we're currently finding hard is he technically has no fixed address. He lives on a Naval base at accomodation cabins which have no post boxes. His mail is sent c/o the bases mail office but we recently changed this so that bank correspondence is sent to my address. He is on the electoral role at an address located at the base, but has had 3 different base addresses (one in Scotland, two in England) in the past 4/5 years. He's never actually lived in his own accomodation for this time. He's applied to his own bank LLoyds - he did get a mortgage in principal of just over £100,000 back in December, however this has disappeared off the system now that we actually have found a property - and to HBoS -Who offered us 65% loan, 35% deposit. We suspect this is due to the fact he is not a customer there- We have a 20% - 25% deposit. His credit rating is above average (although he has no overdraft, credit cards ect) and his income and outgoings are very reasonable. The only thing that seems to be affecting things is the fact he has no fixed address to actually finalise a mortgage. We're first time buyers also. Any other Navy folk out there know how to get round not having a 'proper' address and applying for credit?