Not on electoral roll

smallfry1983

It turns out our buyer is not on the electoral roll anywhere.

Im not even thinking about how thats possible, but does anyone know how long this could roughly hold everything up?

hethmar

Its possible because he has never registered. Not sure why it would hold up your sale if he has proof of identity in other forms. Ask your solicitor

smallfry1983

I know its possible... I just don't want to think about why she thought she could get a mortgage without being on the electoral roll, or even why shes lived in her current flat for a year and not bothered to update the register.

But thanks for your insight into my question.

poppysarah

Who's told you? Your solicitor?

smallfry1983

No, the buyer has discussed it with our estate agent, she can't get a mortgage, but wanted to make sure we knew she was still keen. They knew something was up when the survery request for our house hadn't come through yet, 3 weeks after the offer was accepted.

Our solicitor is still waiting to hear back from their solicitor about it.

olly300

smallfry1983 wrote: »

I know its possible... I just don't want to think about why she thought she could get a mortgage without being on the electoral roll, or even why shes lived in her current flat for a year and not bothered to update the register.

But thanks for your insight into my question.

If she has only been off for a year then it may not cause to many problems because if you have lived in a place less than 3 years you have to list your old address.

smallfry1983

even if shes not on the electoral roll at her current house?

hethmar

Hmm, sounds a bit strange to me. People come from abroad and buy properites without being on a roll. It is only a case of filling in a form - why doesnt she do that now.

olly300

smallfry1983 wrote: »

No, the buyer has discussed it with our estate agent, she can't get a mortgage, but wanted to make sure we knew she was still keen. They knew something was up when the survery request for our house hadn't come through yet, 3 weeks after the offer was accepted.

Our solicitor is still waiting to hear back from their solicitor about it.

This may not be the only reason she can't get a mortgage. Her salary may not be enough as lending criteria has got stricter, she may not have a large enough deposit and may work in a sector mortgage companies are avoiding.

To be honest there are lots of buyers who waste sellers time and you need to be prepared for it.

Edited to say: Nearly everyone I know personally spoke to a bank/BS and broker before they even looked at a property to buy. The only person I know who didn't was a potential buyer who wasted people's time by making offers with no potential finance in place. I had a go at them and gave them a broker details to stop them doing this.

Next time you have a buyer ask them yourself have they got a mortgage in principle or do they have a broker. Then make sure the EA asks the same questions. Also as the EA is working for you, tell the EA they need to get details of the company supplying the mortgage or the broker. If the buyer doesn't want to give you these details they are wasting your time. However it doesn't stop liars giving out made up details as you can't check them but will deter those who haven't got a clue on the process from wasting your time.

benjo

When you 'register' with the local council for council tax purposes, voting etc you can opt out of having your details published on the the electoral register, (some people in certain occupations prefer not to have their home addresses published). So while there may be a perfectly innocent reason for someone not being on the electoral register, Im told by friends who opted out, that it can cause them problems when trying to get credit.

hethmar

You can opt out of the roll available to the public (and advertisers) but the council will still have you on theirs.