Buying the house I rent.....

TheLostGirl

I am buying the house I rent with my partner.

I have to go to the solicitor tomorrow to pay searches and sign terms of business etc.

My problem is that whilst I live at my rental address and pay the necessary bills on it most of my financial affairs are still registered at my parents address purely due to the fact that I did not think we would be living here that long and I am afraid to transfer everything and risk becoming a victim of identity fraud should something forget to be transfered when I move etc etc.

My mortgage company has accepted my parents address and my partners parents address as proof of where we live given that we are on the electoral role there.

What acceptable evidence of address can I give the solicitor? I do have a couple of joint bills that are paid at the rental address but I have no credit agreements at the rental address. We have a vaild passports.

Thanks

Fire_Fox

Welcome! You need to explain this to your solicitor and ask their advice. You really should be on the electoral roll at your correct residential address, also registered for council tax. Most banks insist you give them your home address for your current account.

thelem

Fair enough keeping things at your parents' address while you were renting, but now you're buying you're presumably planning to stay at the same address for several years. Who is to say your parents won't move before you? I don't see any reason not to move everything to the house you are purchasing now.

TheLostGirl

thelem wrote: »

Fair enough keeping things at your parents' address while you were renting, but now you're buying you're presumably planning to stay at the same address for several years. Who is to say your parents won't move before you? I don't see any reason not to move everything to the house you are purchasing now.

I totally intend to do this.

Currently though any of my financial matters are at my parents. I think the solicitor needs to verify your identity and address for money laundering regulations.

thelem

In that case I don't think there will be a problem, but your solicitor will let you know if there is.

If you've got car insurance then make sure it's transferred to your address as soon as possible, as it could be invalid if it's registered at your parents address.

TheLostGirl

Due to circumstances I spend half my time at my parents address as my partner works away a lot and I have a 16 month old who my parents care for when I am at work.

Fire_Fox

You need to explain this to your solicitor and ask their advice. You still should be on the electoral roll, it's a legal requirement.

TheLostGirl

Being on the electoral role is not a legal requirement.

Fire_Fox

TheLostGirl wrote: »

Being on the electoral role is not a legal requirement.

No really, it is!

"It is a legal requirement to be registered and each local council in the UK will compile its own Register of Electors. You cannot vote in elections or referenda if your name is not included on the Register and you may also find difficulty obtaining credit or a loan because the full register can be sold to authorised credit reference agencies who use it to confirm your identity.​"
http://www.cityoflondon.gov.uk/about-the-city/how-we-work/elections-and-wards/Pages/elections-register-of-electors.aspx

longtimelurkersam

Fire_Fox wrote: »

No really, it is!

"It is a legal requirement to be registered and each local council in the UK will compile its own Register of Electors. You cannot vote in elections or referenda if your name is not included on the Register and you may also find difficulty obtaining credit or a loan because the full register can be sold to authorised credit reference agencies who use it to confirm your identity.​"
http://www.cityoflondon.gov.uk/about-the-city/how-we-work/elections-and-wards/Pages/elections-register-of-electors.aspx

If you live in two places are you supposed to be on the electoral role in both?

I ask as I have two locations that I can call home:
Location 1 is my home where my mortgage is and all my mail goes to.
Location 2 is a temporary property that I renting in a different part of the country where I also pay council tax and utilitiesbut nothing else is registered here.

This is the way I wish to keep it. I am not on the electoral role in location two, do not wish to be and do not care about not being able to vote as this is a temporary location purely for work purposes.

Fire_Fox

longtimelurkersam wrote: »

If you live in two places are you supposed to be on the electoral role in both?

I ask as I have two locations that I can call home:
Location 1 is my home where my mortgage is and all my mail goes to.
Location 2 is a temporary property that I renting in a different part of the country where I also pay council tax and utilitiesbut nothing else is registered here.

This is the way I wish to keep it. I am not on the electoral role in location two, do not wish to be and do not care about not being able to vote as this is a temporary location purely for work purposes.

"I have two homes. Can I register to vote at both addresses?
A person’s name may appear on the electoral register only if they reside at an address within the electoral area. Residence is not defined in law, but it has been held by the courts to entail a ‘considerable degree of permanence’. Based on this criteria, it is possible for a person to be registered to vote in two different electoral areas. A person with two homes who spends about the same amount of time in each can be lawfully registered at both addresses.

However, it is unlikely that ownership of a second home that is used only for recreational purposes would meet the residency qualification. Ownership of a second home that a voter pays council tax on but is not resident in does not qualify them for electoral registration in that area. It is for the local Electoral Registration Officer to decide in the light of an individual voter's circumstances whether they may be said to be resident at an address, and therefore eligible for registration. Electoral Registration Officers are required to consider each case on its own merits.

If an elector is registered to vote in two different electoral areas, they are eligible to vote in local elections for the two different local councils. However, it is an offence to vote twice in any one election. Such an offence could result in a fine of up to £5,000.

Further details about registering to vote at a second address can be found in Section 4, Part B of Guidance for Electoral Registration Officers (PDF)."
http://www.electoralcommission.org.uk/faq/voting-and-registration/i-have-two-homes.-can-i-register-to-vote-at-both-addresses