OH is not on electoral roll, expect problems?

amalis

My OH is foreigner, living here for 2 years and having visa of family member or EEA national (me:p), means he has all EEA rights. However, he is not on electoral roll because he has no right to vote here yet. I understand that this might affect our mortgage application. Shall we explain our situation to the bank straight away or just wait till they will ask/notice (if they will)?

herbiesjp

amalis wrote: »

Shall we explain our situation to the bank straight away or just wait till they will ask/notice (if they will)?

Nationality is a questions asked on an application form

So no point in hiding it/delaying it

Be upfront, as applying for amortgage that will not get accepted will be a waste of your time.

Electoral roll may be a problem, what may be more of a problem is his credit file - has he built up enough of a credit score to be accepted seeing as he is not on the electoral roll?

Also, when does the Visa expire?

amalis

no, i didnt mean to hide, of course. it is quite obvious.
we checked our credit files, he has good credit rating. he has credit card since 1.5 years with good limit and regularly using it and paying in time.
visa expires in 3 years from now, after that guaranteed ILR (as for EU). It's quite rare type of visa.
We got agreement in principle 2 month ago, they made chedit cheks and there were no problems.

herbiesjp

If you have an agreement the you should be ok with that lender

Although, the agreement may have expired and/or that particular lender will no longer be offering the best deal - so much has changed over the last 2 months

You might want to look around and see if things have changed in terms of rates for you

amalis

herbiesjp, thx. your words made me feel better

Dick_here

My OH is a non-EU foreigner, so not on the electoral roll. It's not caused a problem when we've applied for mortgages.

giruzz

!!!!!!_here wrote: »

My OH is a non-EU foreigner, so not on the electoral roll. It's not caused a problem when we've applied for mortgages.

Hi,

same story here, I'm EEA but my Miss is non-EU with Visa exp. in 2014. Did they ask you any further documentation when you applied?

We were looking to borrow something like 3x joint income and the plan is to have a 20/25% deposit...

Thanks

giruzz

herbiesjp

Hi,

same story here, I'm EEA but my Miss is non-EU with Visa exp. in 2014. Did they ask you any further documentation when you applied?

We were looking to borrow something like 3x joint income and the plan is to have a 20/25% deposit...

Thanks

giruzz

On that basis you should be fine with the right lenders - please note not all lenders will accept foreign nationals if they do not have permanent right to reside.

Also, you will both need to have built up your credit score enough to pass the lenders scoring systems - for example, if you have only just entered the UK you are not likely to have a high score, however if you have been here a few years and had credit cards, and other credit arrangements, you are likely to have built up a good score (assuming no defaults, CCJs etc)

giruzz

herbiesjp wrote: »

On that basis you should be fine with the right lenders - please note not all lenders will accept foreign nationals if they do not have permanent right to reside.

Also, you will both need to have built up your credit score enough to pass the lenders scoring systems - for example, if you have only just entered the UK you are not likely to have a high score, however if you have been here a few years and had credit cards, and other credit arrangements, you are likely to have built up a good score (assuming no defaults, CCJs etc)

Hi,

Thank you for the prompt reply.

I have 3 credit cards (limits 100,600,3250) but I'm about to close one (600) and all of them are cleared each month.

My gf has one CC with 300 limit.

No defaults or any late payments. I'll probably contact you again when is time :-D

Regards,

giruzz