Which addresses need to line up for a good credit check when applying for mortgage?

mr_fishbulb

The title may be a little confusing, so I'll explain a bit more.

Up until about 3 months ago, I had been renting a place for around 3 1/2 years. All my bank accounts, HMRC details, electoral role etc were registered to that address (basically a good position for a credit check when I applied for a mortgage).

However my circumstances changed and moved out of there. Temporarily back to my parents until I could find somewhere else to move to. I changed all my addresses to my parents (again bank, HMRC, everything except electoral role).

I've now just moved into a new rented place and have applied to the council to be put on the electoral role. Which of my other details should I update with this new address to put me in the best position for a credit check when I come to apply for a mortgage? I want to move as little as possible over to this address, as I can still pick up post when I see my parents.

Are banks, credit cards, and HMRC all I need to update?

Cheers

GMS

You should have all of your correspondence at your current address. If you do not they will show at the previous address and may cause issues.

mr_fishbulb

GMS wrote: »

You should have all of your correspondence at your current address. If you do not they will show at the previous address and may cause issues.

Yes, but what addresses will show up in a mortgage application search?

For example it's not going to show up that I have a subscription to the Economist Magazine still going to my parents address. The less I need to transfer over to my new address, the better. I'm not planning to stay there more than a year or so and it's such a hassle/risk of missing documents every time I need to change addresses

GMS

You need to disclose all addresses to the lender or you are commiting fraud.

You have already applied to be on the Voters Roll at the new property so this will show as a linked address anyway. The issue then is why do you have active credit at an address you do not reside at.

mr_fishbulb

GMS wrote: »

The issue then is why do you have active credit at an address you do not reside at.

All my correspondence with institutions where I have credit (i.e. bank, mobile, credit card) will be moved across to the new address.

Items where I do not have credit (i.e. ISA, Pension, Tesco Club Card, Airmiles, etc), I will only move across to the new address if I need to. I'd prefer to leave these at my parents.

I will still list my parents place, and my old address when I apply for a mortgage and it asks me to "List all the addresses you have resided in over the past X years".

So I guess my question can be more targeted as "Which addresses, asides from institutions with which I have credit, do I need to move over to my new address in order not to have any issues applying for a mortgage?".