Electoral roll issues, please advise

megino92

Hi, first post here.

I'm looking to buy a house early next year by myself. My credit score was look last time I checked, I've had loans and credit cards since I was 18 and never missed a payment on anything. The only thing marking down my credit score that I could see was not being on an electoral roll. Getting a mortgage shouldn't be an issue, I'll have around 15 to 20k for the deposit, 45k per year earnings, my credit card will be paid off in full and probably cancelled and I'll have around 8 months left of loan repayments.

I've recently come to understand that electoral roll may be an issue for me. I was removed from the electoral roll and council tax information about 5 years ago from my parents when I moved in briefly with my ex girlfriend. Now as it stands, all the credit I have out is billed to my parents house, all my mail gets sent there from work or the bank etc. But I'm not registered there as I don't spend 4 nights or more a week there as my time is split between there, my girlfriends, and my friends. I'm under the impression that for me to move back into my mums house I'll have to pay the difference in council tax and due to my earnings my mum will lose certain benefits, eg. Housing and I'd have to pay the rent.

I'm really worried and a bit stuck, apologies for waffling but I wanted to be as clear as possible. Any advise is welcome, thanks.

scotgal30

You will need to pick a house to register at and contact the electoral roll where you live, unfortunately if that means paying the extra council tax, which won’t be much as from my understanding single people on benefits get 25% discount (may be different where you live) (so your only making up the extra which is 25%) this is from my area so may differ for you.

the council tax will still be under your mums name so won’t be registered to you.

My partner has been in a similar situation, been a nomad for years, having moved around- fortunately his parents don’t claim anything so that’s not an issue for him to register there.

ACG

There are a couple of lender who will decline you outright if you have not been on the electoral roll. There are also some who will probably dig in to it a little more.

I have just posted the same thing on another thread but I think in the main you will be able to place this without any problems, but it could be worth using a broker just to avoid the fussier lenders?

megino92

Thanks for the replies,

My friend said I could go on the electoral roll at his house, I don't mind paying the council tax contribution, he doesn't receive benefits so there won't be a problem there. But if I do this now I'll still have only been on the electoral roll for 6 months tops by the time I'll be applying for mortgages and as far as I'm aware lenders mostly require 3 years history?

I will be using a broker that a few of my friends have used, is it worth getting into contact with him even though I'm not ready to take the leap yet for advice?

megino92

Bump... Not sure if this is allowed but I'm really stuck for what to do

Thrugelmir

Register somewhere asap. You cannot undo what's done.