Electoral roll question - FTB

chestertonb

Hi there

Applying for a FTB part buy part rent mortgage and have had a positive DiP. Have paid all the required fees and the mortgage process is with the underwriter.

The underwriter has requested extra information in the form of a letter stating why I wasnt on the electoral roll.

To cut a long story short I moved to London 3 years ago and the couple of places I've stayed in were all bills included. Ironically I found out that my current landlord had not registered anybody for council tax and was trying to pull a fast one. I am now registered.

The underwriter has requested proof of address for the last 3 years and if I can prove this will this be sufficient or is it likely this electoral roll will be an issue?

Any advice as to what I can put in the letter explaining my lack of electoral roll inclusiveness?


Any advice would be appreciated.

Dave_Ham

Hi there,

Tell the absolute truth and it will be fine.

They are fearful that you my exist elsewhere and have a credit issue that would be hidden.

Prove the history and be 100% honest and you will be fine...

All the best

chestertonb

Dave_Ham wrote: »

Hi there,

Tell the absolute truth and it will be fine.

They are fearful that you my exist elsewhere and have a credit issue that would be hidden.

Prove the history and be 100% honest and you will be fine...

All the best

It never crossed my mind to lie but I didnt want to inadvertently drop myself in it either.

Thanks for the advice.

chestertonb

Dave_Ham wrote: »

Hi there,

Tell the absolute truth and it will be fine.

They are fearful that you my exist elsewhere and have a credit issue that would be hidden.

Prove the history and be 100% honest and you will be fine...

All the best

You were spot on, I wrote a letter explaining my absence and provided 3 proofs of address dated 2009, 2010 and 2011.

I got my approval through this morning.

I just thought I'd post again in case others had a similar issue, this problem is resolvable it seems.

Thanks again.

betmunch

chestertonb wrote: »

You were spot on, I wrote a letter explaining my absence and provided 3 proofs of address dated 2009, 2010 and 2011.

I got my approval through this morning.

I just thought I'd post again in case others had a similar issue, this problem is resolvable it seems.

Thanks again.

I can see the headlines now:

MAN GETS MORTGAGE WHILE TELLING TRUTH SHOCKER

Hahahah
Well done fella!