If your credit and income level is not enough to guarantee for a home loan, the lender will need to consider both yours and your spouse's credit history and income. There are other factors they will consider, including your income level, other debt, and so on. Note that, even though a lender may approve your loan application, your rate may be less favorable with a bad credit history.
You can shop around and talk to different lenders. Based on what you learn from them, you can decide if it is wise to apply for a mortgage now, or wait until your partner improves his or her credit a bit more.
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