Electoral Register

1sttimebuyer1

Hello all,

I posted this on another thread but I don't think it was fully relevant. I hope you can all help.

My partner and I will be looking at buying a house in a few months time. We are currently living at the same address although I am still registered at my parents house on the electoral register (as are my bank details and a couple of credit cards). I have a joint account with my partner at our current address and I have taken out a car loan in my name at our current address. In a few months time we will be in an excellent position financially to buy a house, however I would be devastated to lose out on a mortgage because of an address issue.

My questions to you all are:

Should I keep registered at my parents address when applying for a mortgage with my partner? (ie: she would state our current address and I would state my parents address) Would I be red flagged in some way as I also have a car loan at our current address?

or

Should I change my registered electoral address to our current address (along with my bank account and credit cards) before applying for a mortgage? This in turn means that I will have effectively lost the long term stability of staying registered at my parents house, but at least all of my details will be at the same address.

Thank you for taking the time to read this and I look forward to your replies!