Mortgage app - electoral roll change

Vyncenze

Hi folks

Bit of advice please regarding credit scoring.

My partner and I are looking to buy a place together. We've sold (STC) her flat to an investment buyer, and in order to speed things along we're selling "chain free" and moving in with my parents temporarily. The hope is that we'll then be in a strong position when it comes to offering on a place.

My gf earns 42k, and has no outstanding debts.
I earn 34k, I have 9k on a credit card at a lifetime 4% rate (I pay a bit more than the minimum each month).

I've been as careful as I could with our credit scoring over the past year or so, but I'm worried about the fact that she will have recently moved when we apply. We can get her straight onto the electoral roll at my Mum and Dad's, but obviously it's not as good as being at a stable address for years. I am already on the electoral roll there, so no issues with that.

Is this likely to be a big deal? Aside from that I think we make pretty good applicants - she's been living in her place for 7 years and paying a mortgage, we're both employed in stable jobs, etc etc. No bad credit.

We're looking at the Britannia "share to buy" affinity scheme, which would give us a discounted rate of 3.79% at 10% LTV. We'll be looking to borrow somewhere around 200-225k, so 3 x income.

Any advice appreciated. The sale is progressing so no way back really, but I read these forums and end up scaring myself... :P

Many thanks

Joe

(PS - I have another credit card with a zero balance, and she has one the same. Are we better to close these or keep them open, given our upcoming mortgage application?)

Wh05apk

Can't see it being a deal breaker, I think you are over analyzing your potential "credit score", provided everything else stacks up, and they can trace you both, then should be ok.

Vyncenze

Many thanks for that. Can't find this Britannia deal referenced much on forums, anyone know how tough they are on acceptance?