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Not being on electoral roll & final mortgage checks
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sugarbabe84
Posts: 259 Forumite
Will not being on the electoral roll affect final mortgage checks from Halifax?
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Comments
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And when you asked Halifax what did they say? Why would you not be on the roll, please?0
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Were you on when you applied?I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.0
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kingstreet wrote: »Were you on when you applied?
Yes I was. But that was on my previous address.
Worth noting, I applied for mortgage with current address as at that time I had already moved to my parents, in April. I didn’t think I’d need to register on ER because I figured I’m only here for a short bit.0 -
theartfullodger wrote: »And when you asked Halifax what did they say? Why would you not be on the roll, please?
I’m in a temporary address which I moved into in April.0 -
It won't matter as long as they can verify you via other means.0
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I have nothing useful to add to this post other than to thank you for not spelling it "role".0
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thermal2844 wrote: »It won't matter as long as they can verify you via other means.
Thanks. I sure hope so.0 -
sugarbabe84 wrote: »Thanks. I sure hope so.
We have just applied to halifax after out broker tried and said our LTV went down as not on the electoral at our familys address.
We then went direct and passed on an application as they said it is not a problem. Not sure if linked but we have to go to a branch to hand over passport id but does not affect the application.
So pretty sure it will be fine come final checks. If in doubt can you not register on the elctoral before competion?0 -
Noobie2011 wrote: »We have just applied to halifax after out broker tried and said our LTV went down as not on the electoral at our familys address.
We then went direct and passed on an application as they said it is not a problem. Not sure if linked but we have to go to a branch to hand over passport id but does not affect the application.
So pretty sure it will be fine come final checks. If in doubt can you not register on the elctoral before competion?
Many thanks for this.
I submitted an electoral roll registration last week, but it will. It’s likely be a while before Experian gets updated.0
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