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Mortgage Application.

Niklas33
Niklas33 Posts: 173 Forumite
Sixth Anniversary 100 Posts Name Dropper Combo Breaker
in Mortgages & endowments
Hi! 

I am a first time buyer I've gone through a broker to get an AIP..I have made an offer on a property and it's been accepted. 

Tomorrow I'm making my full application but yet my electoral roll hasn't been updated I've spoken to Experian and they've said they have been waiting for the council to send them the information since December. 

I have no other 'negatives' on my credit report so is it wise to put in a full application? 

Comments

  • LRmortgage
    LRmortgage Posts: 484 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    Depends on the lender.
    Some won’t care, some it will make a small difference, some will be an automatic decline if not on the register. 
    Make sure your broker is aware and has checked that the lender is ok with it. 
    I am a Mortgage Adviser
    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.
  • ACG
    ACG Posts: 24,850 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    I agree with the above, some lenders will have an issue with it, others wont care. 
    I am a Mortgage Adviser
    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.
  • jonnym8083
    jonnym8083 Posts: 303 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Contact local authority who will send you a letter confirming you are on the electoral roll and your unique number. We had same issue with not being shown as on the roll on our credit file. We wasn’t questioned but had the letter to hand just incase to save any delays
  • Niklas33
    Niklas33 Posts: 173 Forumite
    Sixth Anniversary 100 Posts Name Dropper Combo Breaker
    I have the letter confirming I was added on the 3rd of March, but it's still not updated. 
  • MovingForwards
    MovingForwards Posts: 17,177 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Niklas33 said:
    I have the letter confirming I was added on the 3rd of March, but it's still not updated. 

    We are only in February.

    Do you mean your letter last year? If so, did you confirm you are still resident when the council sent the enquiries letter round September / October 2019?
    Mortgage started 2020, aiming to clear 31/12/2029.
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