Any lenders not use electoral roll?

Doc

My wife and I are looking for a mortgage. I'm registered on the electoral roll and have impeccable credit scoring. We have a 15% deposit and no dependants/loans. Affordability is not an issue.

My only concern is its a joint application and my wife has indefinate leave to remain(ILR) and as such is not registered on electoral roll.

The IFA at the estate agents says its an issue for some lenders. Is that so? Is there a way I can find out which lenders do or don't check/care about it to avoid rejected applications?

Thanks

ACG

A lot of lenders will probably decline or refer it at first, however with a chat to the underwriters to explain the situation it should be fine.

Never really had the issue crop up as an advisor but when i worked for a lender, the underwriters would generally request things like utility bills or bank statements in that persons name. They would also want to see evidence of ILR.

The lender i worked for may have been lenient but i doubt it as they were not interested in taking "risky" business.

Ive not put the lender for a reason, im not being awkward but it coould be seen as leading you which im not able to do. Trust your broker, let them run it by the underwriters and find a lender for your circumstances.

Annisele

I don't have any personal (or professional) experience of this, but a friend of mine has ILR and didn't have any problems with his mortgage.

His broker told him that the lender would want to know why he wasn't on the electoral roll. The broker also said that lenders aren't impressed with "don't know", "can't be bothered", "haven't got round to it", but not entitled was just fine - so long as they could prove who he was by other means.

Edit: this was a couple of years ago now (but after NR/Lehmans went splat), so things might have changed.

JQ.

We've never had a problem and my wife never has and never will be on the electoral roll. Our current mortgage is with First Direct one of the most picky lenders out there.