Mortgage and the electoral roll

m0t

My girlfriend and I moved into a rented property early this year but completely forgot about sorting out the electoral roll until the council started sending people round in October.

We missed the 2 home visits and received a letter telling us if we didn't respond we would be fined. I filled out the forms and posted them back, since we haven't heard anything since I had assumed we were now included on the roll.

We are now looking to buy a property and I checked my experian credit report to see if I had anything negative on it and it shows 'no voters listed on roll' at my current address, and still lists me at my mothers house.

According to their website changes to the roll should be reflected around 3 weeks after the roll becomes available. My local council released the latest roll on 01/12, so it looks like I am not on it.

Would this make me likely to be declined for a mortgage? i.e. should I wait until my name appears on the roll?

Thrugelmir

Local authority's normally update the electoral roll on a monthly basis. So if you've submitted the form, you'll be included on the next one.

m0t

According to the local council I should have been included on the December one, but the only way to find out is to physically go and check (which I can't do as its only open when I am at work).

Thrugelmir

m0t wrote: »

According to the local council I should have been included on the December one, but the only way to find out is to physically go and check (which I can't do as its only open when I am at work).

There will be a time lag in Experian being updated.

pineapple

There will be others who tell you different but I can only go by personal experience. I haven't been on the electoral roll for the last 20 years and I have neither been fined OR had a mortgage refused (last one was about 8 years ago).

Wh05apk

Different lenders place a different emphasis on the VR, also depends on your other circumstances, if you are looking for 90% LTV, with little credit history, short term at current employers and stretching things income wise it will have an impact.

I would suggest once you are ready just get an AIP done with a lender and see where you get, as long as they can trace you at your previous address, you may be ok.

m0t

Just managed to get hold of someone at the council and they have informed me that I am on their internal roll, but they haven't published this yet.

Apaprently because of a by election they did not have the resource to publish on 01/12 and had to delay. The lady I spoke to said it would be coming out 'soon' but didn't have a specific time frame, although she told me that the credit reference agencies had been made aware that they had failed to publish on time.

We are looking for a 90% LTV, I have been employed for 2.5 years and my partner 3.5, both of us have credit cards registered to this address, I have a credit agreement at this address, both have mobile phones and I have a couple of completed credit agreements linked to my old address. I paid for an Experian credit score (not sure how representative these are), which came back a 930 because I was marked down for not being on the roll.