Proof of right to reside in the UK

lwhiteman88

During our mortgage application the lender asked our advisor for 'proof of right to reside in UK'. So we then responded with the following:
as Iceland is in the EEA I don't need any documents to prove that I can live here.

Gov.uk states the following (https://www.gov.uk/right-to-reside)

If you’re from the EEA or Switzerland
You have a right to reside if you’re from the EEA or Switzerland and you’re either:

employed
self-employed
registered as a jobseeker

No more questions were asked and we have today recieved our mortgage offer which we were of course very happy/excited with. however on the special conditions part there is one thing that jumped out:
For Applicant 2 this Mortgage Offer is subject to receipt of satisfactory proof of permanent rights to reside.

Does this mean they were not satisfied with our original response? My wife has actually applied for permanent residency as she is then going to get a british passport ahead of Brexit. So in theory once this comes through we will have a piece of paper that says she has permanent rights to reside. However does she actually need this as the government has already stated that as part of the EEA she has a right to reside?

Obviously quite stressful as the residency application can take up to 6 months! Also mortgage advisor hasn't responded yet so thought I would post here.

kingstreet

They've probably made the amendment for you but not for her.

Ask your broker to sort it so a revised offer can be issued. I suspect your broker has ticked the wrong box(es) when this was first input.

You'd be amazed by the number of people who don't know which countries are EU members and don;t even know the EEA still exists for the likes of Norway and Switzerland.

lwhiteman88

kingstreet wrote: »

They've probably made the amendment for you but not for her.

Shes applicant 2 and I am British so pretty sure it's directed at my wife.

Mortgage advisor just got back to me to say she thought it was all sorted so will call them when she is back from meetings. Fingers crossed!

wantonnoodle

I would suspect they will want proof that she is indeed Icelandic, as such I would suggest letting them take a copy of her passport. Otherwise in their eyes she could be an illegal immigrant just claiming to be from Iceland to avoid being caught (I know that's not the case, but it often feels like guilty until proven innocent).

I know it is frustrating. I had a similar thing a few years ago when I was studying at uni. I was doing a year in France at a French university and before I could register on the course I needed something known as a "Carte de sejour", basically a residency permit. I argued that as both UK and France are part of the EU this shouldn't be necessary under freedom of movement rules, but I was required to get the relevant sticker in my passport to prove I was in France as a student. This then allowed me to rent a flat as well as register for the course - I guess it was similar to the UK's mandatory checks on prospective renters these days.

lwhiteman88

Lena01 wrote: »

The United Kingdom, made up of England, Scotland, Wales and Northern Ireland, is an island nation in northwestern Europe. England – birthplace of Shakespeare and The Beatles – is home to the capital, London, a globally influential centre of finance and culture. England is also site of Neolithic Stonehenge, Bath’s Roman spa and centuries-old universities at Oxford and Cambridge.

Thanks for clearing that up. Not sure what your point is though