Advice needed! Electoral roll - mortgage application

Helsbells16

Hi, I was wondering if anybody can give me some advice regarding an application my partner has made for his mortgage?
The building society have found that he has not been on the electoral roll consecutively at his mums address. Apparently they have found he has only been on the electoral roll for 18 months when he has lived there since birth. He isn't sure why this is the case but is worried now that this could result in his mortgage application being declined...
He has provided a hmrc letter from early 2013 as the mortgage provider has asked for letters to prove he has lived there during 2013/2014 but this is all he has.
Just wondered if anybody has any advice or experiences from this and if this could affect his mortgage approval? All other information seems ok, credit score and income & expenditure. Thanks in advance

chromac

If they don't like it a good broker might be able to help you out - our brokers first choice (our was a little worse, partner not on electoral roll at current address & recent (within two years) defaults on my report) was Santander, and they wouldn't even entertain our application purely based on the electoral roll issues. Barclays however quite happily accepted a Council tax statement as residency proof.

The HMRC letter will definitely be evidence of his address - but its just if they want further proof - was he working during that time? Maybe payslips were sent home?

Helsbells16

Yes payslips show the address too, we were unsure if these would be acceptable, maybes it will be best if we send them along anyway as a lot of different post will surely prove residency?

Thrugelmir

Helsbells16 wrote: »

as a lot of different post will surely prove residency?

That's why registering on the electoral roll every year is so important. Using family or friends is an easy way of abusing the system should someone wish to.

Helsbells16

I'm sure if he had been aware that he wasn't on the electoral roll back in 2013 he would of registered but hey hindsight is a wonderful thing. Many thanks anyways but I am not sure this comment helps with this original question though...

idkwhattosay

So what's the minimum time you need to be on electoral roll? I've registered in Sept 2015 and now after reading this thread makes me think I'm not eligible for a mortgage. Sorry to interject, just wondering.

HappyMJ

idkwhattosay wrote: »

So what's the minimum time you need to be on electoral roll? I've registered in Sept 2015 and now after reading this thread makes me think I'm not eligible for a mortgage. Sorry to interject, just wondering.

None. You don't need to be on the electoral roll to get a mortgage. It helps identify you but if you've got a good credit history then obtaining a mortgage shouldn't be a problem. Even if you don't have a good credit history there are lenders that will lend you the money for a house purchase. The bigger the deposit the better the chance of being approved. Electoral roll registration is not required.