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Two addresses and electoral roll
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Jazz11
Posts: 27 Forumite


For ten years I flipped between two different addresses in two different counties but was with the same employer. One of those addresses is my parents house where my bank accounts and credit information is held. The other is linked only to my previous job I.e wage slips/p60. I then moved officially to a new address in 2022 and switched jobs, at this point I moved all my bank accounts/credit etc to my new and current address.
On my mortgage in principle I put my current address and the previous address that my financial information is linked too (parents house). I did not mention the address my employment for 10 years was linked to. I think in those 10 years towards the end I changed from being on the electoral roll at my (just so i could vote where i was working) and maybe one utility bill (for proof of Id for something).
A) On my TransUnion credit file I can't enter two addresses for the same time period to double check if there is anything on their for the employment address. And the employment address is not showing as a linked address.
Apparently on Experian you can't do it either. Any suggestions or advice please on how best to manage the two addresses at the same time.
We only registered me on the electoral roll for the new address in June this year, prior to that was on the electoral roll for the employment address (not sure how long for) and then the parents address.
Is this going to be a problem? What part will be a problem? Do mortgage lenders check electoral roll dates match address dates? How far back do they go?
C) Any other issues that can be forseen or advice please on what to do.
On my mortgage in principle I put my current address and the previous address that my financial information is linked too (parents house). I did not mention the address my employment for 10 years was linked to. I think in those 10 years towards the end I changed from being on the electoral roll at my (just so i could vote where i was working) and maybe one utility bill (for proof of Id for something).
A) On my TransUnion credit file I can't enter two addresses for the same time period to double check if there is anything on their for the employment address. And the employment address is not showing as a linked address.
Apparently on Experian you can't do it either. Any suggestions or advice please on how best to manage the two addresses at the same time.

Is this going to be a problem? What part will be a problem? Do mortgage lenders check electoral roll dates match address dates? How far back do they go?
C) Any other issues that can be forseen or advice please on what to do.
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Comments
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Anyone able to advise?0
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I'm sorry I don't know, just pumping this up for you.
I have the following
1) Two bank accounts registered to my parents' address
2) 1 business bank account registered to my rental
3) HMRC is aware of my rental
4) DVLA is still registered to my parents' address
5) Employment were all to my parents' address, except 3 years ago when I became self-employed (now rental)
6) Electoral was on and off my parents' address
7) All bills and council tax to my rental, so Experian know about it
I only declared my parents' address, providing proof of address using DVLA and my second bank account from (1).
My mortgage provider is one of my banks from (1) (where my parents' address is registered). I've just been through this mid July.
If they need to come and chase after me for whatever reason, or serve me court papers, I want my documents to come to my parents' address, because that's a long term, I've switched rentals many times, and wouldn't risk important papers getting lost to some rental address.Note:I'm FTB, not an expert, all my comments are from personal experience and not a professional advice.Mortgage debt start date = 25/10/2024 = 175k (5.44% interest rate, 20 year term)
Q4/2024 = 139.3k (5.19% interest rate)
Q1/2025 = 125.3k (interest rate dropped from 5.19% - 4.69%)
Q2/2025 = 108.9K (interest rate 4.44%)Q3/2025 = 103.9k0
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