Not on electoral roll

smallfry1983

Our buyers did have a broker when they made the offer, and they still do. They have finances in place, enough income every month, large enough deposit.

Our EA insist everyone meets with a broker before placing offers to stop this thing happening (and the EA verified with thei broker that they met and everything looked OK), and now it has happened, noone has a clue what to do.

I guess they should contact the banks who have rejected the mortgage and get full details why it was rejected? They have until Friday to get the forms in to be on the electoral roll for March, but am I right in saying everyone is in agreement that that probably isn;t the only reason it was declined?

The EA will be calling me back later with an update from our buyers.

hethmar

Lenders are getting pickier - tiny probs can cause hiccups but Id have thought something as easily remedied as getting on the electoral roll shouldnt have cancelled the whole procedure.

bo_drinker

I wasn't on the roll for years, lived and born in UK. Just didn't bother as not interested in voting etc, until I went to open a bank account with a wedge of cash, they "had " to find me on a roll somewhere and they did back at my parents place way back when. That was good enough and I was in, still not on the roll after opening the account for years though. I am on there now. It is a farce though. There are thousands not on there but hey we will all have I D cards soon and we will all be on there then............... Or will we :rotfl: :rotfl:

hethmar

Well point being - did you pay council tax when you werent on the roll for all those years?

LittleMissAspie

Council tax and the electoral roll are unrelated. You fill in a form to send to the council when you move, with your moving dates so they know when to start charging you council tax.

The electoral roll I don't know about. We weren't sent anything when we moved here. I thought they'd send us one of those forms where you cross out people who don't live there and put yourself on. But they didn't. It wasn't until local election time that we got one, so we put ourselves on it then. But if there hadn't been an election I wouldn't know how to update it, and wouldn't bother finding out as it doesn't seem very important.

Didn't know you couldn't get a mortgage if you weren't on it though. Is there not some kind of checklist that banks or solicitors give you, to make sure you have all the right paperwork for a mortgage?

smallfry1983

The EA called us back.

All her paperwork checks out, great credit rating (she faxed him a copy)... the banks just wont give her a mortgage until shes on the electoral roll, which she will be from March now.

I didnt think electoral roll status was crucial either, is this just a recent thing they've done? I know people who have mortgages and weren't on the electoral roll.

hethmar

Just being picky smallfry - they are all scared silly over lending now.

Debt_Free_Chick

I find the whole "being on the electoral roll" thing odd too. Being on the roll simply gives you the right to vote - it doesn't say anything else about you at all .... just that you have the right to vote. Odd!

bo_drinker

hethmar wrote: »

Well point being - did you pay council tax when you werent on the roll for all those years?

:rotfl: