Proof of Address for mortgage

bcant117

Hello All,

We are about to make an offer on our first home and will shortly be dealing with the whole mortgage application process.

I have a slight inconsistency with my previous address, and would like some advice on what to do.

I've been living in my current flat since November 2012, prior to that I lived at home with my mum although in term time I lived away at uni. I think I was on the electoral roll at uni (from about 2010 - June 2012) and then I was registered at my mums from about June 2012 - November 2012.

But I have no proof of these addresses. As my Mum moved around a lot when I was a teenager, my bank had always been registered to my dads address (which I spent a lot of time at).

So my question is, will I need to prove my previous addresses? Or is 1 year and 9 months at my current address suitable?
If I need to prove it, is it more important to stick to an address that I can prove (i.e. my dads) or where I was registered to vote?

Thanks for any help,
Ben.

merkat1

Hi Ben,

I'm not sure i can be much help but when i applied a week or so ago i needed proof of the address i live at now and where my bank has me at etc. I moved to that address in April 14 and they didn't ask for proof of previous (yet anyway)

Hope this helps.

Good luck x

amnblog

Check the addresses showing on your credit file with Experian and Equifax Ben.

That is a good start point.

ethank

I was only asked to provide proof of my current addres when moving. My other half was not on any bills so had to end up using a joint bank account statement for him.

amnblog

Our OP's problem is that he does not know as yet what his current or previous 'addresses' are.

imnothere

bcant117 wrote: »

Hello All,

We are about to make an offer on our first home and will shortly be dealing with the whole mortgage application process.

I have a slight inconsistency with my previous address, and would like some advice on what to do.

I've been living in my current flat since November 2012, prior to that I lived at home with my mum although in term time I lived away at uni. I think I was on the electoral roll at uni (from about 2010 - June 2012) and then I was registered at my mums from about June 2012 - November 2012.

But I have no proof of these addresses. As my Mum moved around a lot when I was a teenager, my bank had always been registered to my dads address (which I spent a lot of time at).

So my question is, will I need to prove my previous addresses? Or is 1 year and 9 months at my current address suitable?
If I need to prove it, is it more important to stick to an address that I can prove (i.e. my dads) or where I was registered to vote?

Thanks for any help,
Ben.

Where do your bank statements get sent to and if you have to provide a CURRENT proof of address such as an utility bill, which address would it say on the front?

I had a similar problem that I appear on the electoral role at my mums, and most of my card statements are registered to her address, but I told the bank I've lived with my sister for the last 4 years. They asked me to prove that I lived with her in 2012, and I had no proof! In the end Leeds just waived that requirement and gave me my mortgage offer, but you may not be so lucky.

I'm a FTB too.

bcant117

imnothere wrote: »

Where do your bank statements get sent to and if you have to provide a CURRENT proof of address such as an utility bill, which address would it say on the front?

I had a similar problem that I appear on the electoral role at my mums, and most of my card statements are registered to her address, but I told the bank I've lived with my sister for the last 4 years. They asked me to prove that I lived with her in 2012, and I had no proof! In the end Leeds just waived that requirement and gave me my mortgage offer, but you may not be so lucky.

I'm a FTB too.

My current address proof is not an issue, my bank has been registered here since I moved almost two years ago.

The problem is with previous addresses and a mismatch between where I was registered to vote and where my bank, etc. was registered to.
I'm under the impression it is important to prove your electoral roll address to get a better score.

I just hope I get lucky like you and they waiver the requirement for proof from my previous addresses, or even better if they don't ask at all!