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Address history for mortgage appli.
leereni
Posts: 377 Forumite
Just wondered how far back mortgage companies go when asking for your address history. And also how many previous addresses are normally considered acceptable?
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Comments
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Generally 3 years. Regardless of what is considered 'acceptable' you need to disclose all addresses.I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
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Ok thanks.
I read before that if you have lived at many addresses it looks bad on your file?0 -
It will depend upon whether you registered on the electoral roll, whether you changed bank accounts, credit cards etc. and how close to the exact dates you lived there vs what is declared.
If the lender finds inconsistency they do not like it, the more addresses the higher the chance of inconsistency.
Good luckI am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it.This signature is here as I follow MSE's Mortgage Adviser code of conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
Ok thanks again.
I noticed on my experian file although I moved into my current address June 2011 I wasn't put on the electoral roll until September 2011. Will this be a problem?0 -
It probably won't be a problem, but tell them the reason why, so they know.
It's best to disclose everything up front.Early retired - 18th December 2014
If your dreams don't scare you, they're not big enough0
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