Mortgage Application Concern

irishtim

As a first time buyer i'm concerned about my mortgage application. I have always had problems with application forms asking for first name or full name because i am known by by middle name! My passport/Drivers License is my Full Name

My main Bank Account is set up with my Middle name and surname but I've just opened an ISA with Barclays and they have taken my Full name (First Name, Middle name and Surname)

I want to have a good credit report when i go to apply and will having these multiple names all from my full name affect it? I just want to get it all sorted

Can anyone recommend what I do or will I have to change my name by deed poll?

Going Crazy!

Toughluck

This is very simple. You do not have to, but I am telling you to............when you apply for credit or take anything out, use the name that is on your passport, birth certifiacte, driving licence, PAYE code notice or whatever. People giving you credit want you to prove your identity, so in essence it needs to match and if you cannot do that they have the right to decline you based upon you may launder money.

If you name is Peter and you are know as John for some reason, then someone who takes out credit in the first name of john is only opening themselves up to trouble. If you are of asian race for example where it becomes slight more complictaed I would still tell someone to use the name they used to apply for a passport.

luckyfool

Get your bank account changed into your correct full and proper name, and ensure that your payslips and other official documentation shows your full name. Just go down to your branch with your passport and/or birth certificate and they should be able to complete the paperwork to make the change.

It doesn't matter if you have a document with your middle name missing, such as a payslip or utility bill, but if it shows your middle name but not your 1st name then you will have problems as it proves nothing at all. How do they know it is for you and not someone else?