Failing to get a Mortgage due to Not being Registered on Voting List

Abarthgt

Hi Everyone,

I'm going through a mortgage broker to deal with the mortgage application. My credit score is fair, I have no default but the only problem is that I'm not on the electoral register. Contacted Haringey and they said their list won't be updated untill February 2014 if I register now. Halifax and Nationwide won't go any further due to this issue. I'm not sure what to do next. If I don't get this mortgage soon I will lose the property I've put an offer on. So it's a rush situation at the moment. Does anyone know a way round it?

mrginge

Should've got those ducks lined up before putting offers in me old mucker.

I'm sure a broker will be able to offer some practical advice....

DigForVictory

Are you not registered to vote Anywhere in the UK?
Should I ask where have you been?
Looks like you may have to hunt down local electoral registration offices, check how soon they're doing an update & register with whichever comes up soonest.
https://www.aboutmyvote.co.uk/register_to_vote/electoral_registration_applica.aspx

Dave_Ham

Hi, not necessarily a deal breaker but will depend upon the rest of your case.

I assume you have at least your bank account listed at where you live?

Engage a broker (not the estate agent one of course) and worth getting your Experian, Equifax and Call Credit reports in advance.

Best of luck

Abarthgt

Dave_Ham wrote: »

Hi, not necessarily a deal breaker but will depend upon the rest of your case.

I assume you have at least your bank account listed at where you live?

Engage a broker (not the estate agent one of course) and worth getting your Experian, Equifax and Call Credit reports in advance.

Best of luck

Yes I have my account showing where I lived for the past 6 years incl. bank statement and driving license. I have pulled my credit experian already and this is where it's showing not registered on voting list. I have been studying for the past 7 years never thought i'd need to register so soon. I'm using an independent broker from yourmove. Is that classed as an estate one and why not use them?

witchy1066

If you need to supply proof that you are registered to vote at a particular address, you can purchase a 'Certificate of Residency'.

if you ring your council they should send you a copy ,some local councils charge some don't but it is unlikely to cost you more than £20

HTH

Dave_Ham

Due to the fact they are inexperienced typically and you tend to find problems like you have when a decent broker is more likely to get right lender first time.

Not convinced ea brokers are ever truly independent...