Electoral Roll (merged)

digp

what is this rolling register blurb?

bery_451

how do i check that im on the electoral register for free?

savvy

Hi bery_451
I've merged your post here, there's a lot of info here on the electoral register, HTH
savvy

LTheobald

Glad to see a lot of other people have had the same worries as me. But as far as I could see, nobody has said if not being on the electoral roll has actually stopped them from getting a mortgage yet.

My girlfriend & I went to start the process of getting a mortgage the other day as we saw a house we really liked and got our offer excepted. After seeing the bank and hearing there was a small unexplained problem with our credit checks, we looked into it and the only error flag was the fact that we weren't on the electoral roll (a simple oversight on our part). So we submitted the forms to the local council the very next day. Turns out we had missed out the cut-off day for the next month by a day :mad: so it sounds like we are going to have to wait till the 1st Feb before we can get fully on the electoral roll.

Now we don't want to miss this house because of the electoral roll issues. So has anyone had any success in getting a mortgage with electoral roll issues? Is it really that much of a problem or are we able to do things such as get parents to act guarantors or similar to help secure the mortgage?

Lee,

zkb100

Sorry this is not an answer to your question but I am in exactly the same position...stupidly didn't get a mortgage in principle before getting an offer accepted on a flat, but the mortgage advisor said I should be able to get the mortgage with no problems. I have been declined for the mortgage in principle due to not being registered on the electoral register at my current address.

I applied to be put on it and just missed the Dec deadline to get on it before January so won't be on it until 1st Feb.

Natwest have told me to put the application in anyway as they may let it go through since I bank with them but I am waiting to hear. I'm incredibly worried it won't go through though as I don't want to loose the flat.

I have spoken to several mortgage advisors who have suggested different things - either putting your old address (if previously registered there) down on the application or applying through a lender (principality) that looks at a credit report instead of doing a credit score check. However, my credit score is perfect as checked it through experian so it is only the electoral roll thing.

Not sure what to do if I get declined from Natwest?? I don't want to lose the flat if I have to wait until February to get a mortgage and don't want to keep applying and getting declined.

Has anyone managed to get a mortgage without being on the electoral roll??

LTheobald

For me it turned out that I was on the electoral roll but it just hadn't shown yet. My mortgages troubles must have been on something else. I'm all sorted now though and my back accepted our application after looking into it further.

My advice for you zkb100 would be to give the electoral services a ring at your local council. For me they were able to send me a "letter of residency" to prove that my electoral roll application went in. It sounds like what they can do differs from council to council but it's worth a phone call to them.

Good luck with getting the mortgage.

zkb100

Thanks for the advice LTheobald. I rang them and they did say I was on the list to be added but it just won't show up until Feb, so I'll see what they can send me as proof.

Fingers crossed and congratulations on getting yours sorted!

punk_beatz

This thread is really interesting.

I'm a British citizen but my girlfriend is American on a residency visa which we plan to turn into Indefinite Leave to Remain (ILR) in a few months.

She's been here almost 2 and a half years and started working full time last year after completing her MA here. Yesterday her mobile contract with Virgin expired so she called Orange to get a deal she wanted. They ran credit checks and told her she was declined, even though she has had a contract for a mobile before and has never missed payments etc. When Virgin ran checks 18 months ago they initially denied her, then told her it had come back OK the second time.

We had a look at her credit report today and she has a score of 818 on Experian, which is considered 'Fair'. She has American loans for her 6 years of uni study over there which she pays every month from the UK (though I don't think this counts on credit reports here) , two bank accounts here (no credit card yet) and all of them have perfect scores for payments etc, but she cannot be in the Electoral Roll due to her American citizenship. We're thinking of buying a house in the next few years and after being turned down by Orange I thought 'well, if she is being refused a contract mobile how will we get the green light for a mortage?!'. Having looked at the credit score though there's a few things that I think might be affecting her score.

-Not being on the Electoral Roll
-Only having been in the UK for 2 yrs 3 months
-Being at current property (with me) for less than 2 years
-Being in her current job for only 5 months.

She's sending Orange her credit report, but how much of a problem does not being on the Electoral Roll pose? Obviously she won't be on it unless she gives up her citizenship and that could be quite a long time away...

My Experian score is 888 so neither of us have bad credit, it just seems like such an annoying problem when the rest of your finances are in order!

youngliam

Thanks for this post, really helpful.