Mortgage and electoral roll

zsolt67

Hi

My sister and her family moving abroad for couple of years.
They asked us to use our address until they moving back, for a hmrc, bank, car insurance, electoral roll etc.

Will this affect my position when I would like for example to remortgage our house? I think the lenders using electoral roll data and I am not sure.

Thrugelmir

No it won't affect you in terms of your credit rating.

Might impact them though if you register them on the electoral roll though. As a lender might well construe this as fraud. As will be obvious that they haven't lived at the address at a later date.

You'll be committing an offence to include them on the electoral roll as well.

No harm in them using your address. Though my concern would be is why they feel the need to be dishonest in the first place.

zsolt67

Thank you for your answer.
We didn't think this is dishonest thing. They moving abroad for couple of years because family health issue and this looked the most simple solution to keep UK address, bank account etc. They working online so doesn't need to be in the country to do their job. Even one of them coming back monthly. What is the proper way to keep the bank account, car insurance, hmrc etc in this case?