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Electoral register

JamesBeech · 2013-12-20 17:57:09

We're due to make a mortgage application in the new year although we've found out that we returned the electoral register forms too late. I spoke to the council and they said that we would not appear on the register until the 17/02/14. I'm worried this will affect our credit search, so do you think it would be worth…

Comments

Wh05apk Posts: 2,938 Forumite

23 December 2013 at 3:32PM

Not being on the electoral roll is not a deal breaker, provided lenders can trace you through bank accounts/loans/credit cards etc, you should be ok, although it will reduce your score, which may cause problems with some lenders, and if you are after high LTV's.

Don't waste your time getting a letter, it will count for nothing, lenders will check the electoral roll and you are either on there or not.

I am a mortgage adviser.

You 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.

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