Not on electoral roll - Foreigner 11 February 2020 at 6:30PM in Reclaiming mortgage fees, council tax, etc 3 replies 41 views

putopao

Hi,
someone told me that not being in the electoral roll will lead from our mortgage application being denied? How true is that, we have lived in the UK for 4 years . Will this be a factor for a rejected mortgage? Thanks

[Deleted User]

I would imagine you'll be rejected for any borrowing at all, to be honest. 

SonOf

It may not result in you being rejected but it will significantly reduce your chances.     Every application has positive things and negative things and the lender takes an overall view.   Not being on the electoral roll is a significant negative.   So, you would need a lot of positives to counter it (such as small income ratio or very low loan to valuation ratio and no poor credit).

Thrugelmir

putopao said:

Hi,
someone told me that not being in the electoral roll will lead from our mortgage application being denied? How true is that, we have lived in the UK for 4 years . Will this be a factor for a rejected mortgage? Thanks

Who told you that? Have you made a mortgage application yet?