Mortgage offer / Electoral roll concern

steveamaniac

Hi all, I got my mortgage offer with Leeds in December just before Christmas. It’s a new build not looking to be finished till April so am assuming it won’t complete before then.

My worry is if there’s a second credit check before completion. I checked my equifax today and my electoral roll information has turned red and states not registered even though I’m at the same address, return the annual election form to the council.

Ive contacted the council and equifax but am worried if they don’t resolve promptly it Leeds could withdraw my offer if they hard search me again?

I’ve no idea how this has happened. Timing couldn’t be worse.

noh

Have you seen this thread?
https://forums.moneysavingexpert.com/discussion/6226946/electoral-roll-issue-affecting-all-uk-residents/p1

steveamaniac

noh said:

Have you seen this thread?
https://forums.moneysavingexpert.com/discussion/6226946/electoral-roll-issue-affecting-all-uk-residents/p1

Thank you. No I hadn’t seen that. North Somerset aren’t on the list of the council submitting later but has made me worry less.

[Deleted User]

There is only 1 lender i am aware of that will stop an application if you aren't on the electoral register and Leeds aren't that lender.  And even that lender that does care only searches it at DIP stage.

I'd put this right to the bottom of the list of things to worry about when buying a new build

steveamaniac

Deleted_User said:

There is only 1 lender i am aware of that will stop an application if you aren't on the electoral register and Leeds aren't that lender.  And even that lender that does care only searches it at DIP stage.

I'd put this right to the bottom of the list of things to worry about when buying a new build

Thank you that’s reassuring. I’ve had the offer so nearly there. Worry as I’m paying for builder to upgrade some features.

vickielouise87

Please tell me the lender isnt Natwest 😫 this has happened to me too. Got our offer through finally, checked my credit report and Ive some how fallen off the register after 3 years. I contacted the Electoral Roll team and they said I’d be showing again at the start of January. Really hoping so. 

[Deleted User]

No. Platform mortgages are the onoy one i can think of that cares that much

steveamaniac

vickielouise87 said:

Please tell me the lender isnt Natwest 😫 this has happened to me too. Got our offer through finally, checked my credit report and Ive some how fallen off the register after 3 years. I contacted the Electoral Roll team and they said I’d be showing again at the start of January. Really hoping so. 

Mines with Leeds. I raised it with Equifax and they said I should show again from January. 🤞 

JRG_4

Do Leeds do another check before completion? I’m with Leeds and due to complete at the end of Jan

Thrugelmir

steveamaniac said:

I checked my equifax today 

Then don't.  No need to create concerns where none exist. 

steveamaniac

JRG_4 said:

Do Leeds do another check before completion? I’m with Leeds and due to complete at the end of Jan

I’d like to know as well 😬 the stress!