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    • ric1982
    • By ric1982 12th May 18, 9:28 PM
    • 102Posts
    • 17Thanks
    ric1982
    Electoral Roll Detail (Nationality) and Mortgage
    • #1
    • 12th May 18, 9:28 PM
    Electoral Roll Detail (Nationality) and Mortgage 12th May 18 at 9:28 PM
    Hi,

    I have just found out that on the electoral roll me and my partners nationality is not changed (Still showing old renounced nationality). Otherwise looking at the credit score (noodle) it does shows we are on electoral roll. We are both now British Citizen (for about 5 years)

    We will be applying for mortgage in next 10 days. Does the nationality details effect my mortgage application (its going to be with Metro bank)?

    Thanks
Page 1
    • G_M
    • By G_M 12th May 18, 10:03 PM
    • 44,056 Posts
    • 52,184 Thanks
    G_M
    • #2
    • 12th May 18, 10:03 PM
    • #2
    • 12th May 18, 10:03 PM
    No idea - but contact the Returning Officer on Monday and get it changed.


    It may take time; it may not help; but it certainly won't do any harm!
    • ric1982
    • By ric1982 12th May 18, 10:13 PM
    • 102 Posts
    • 17 Thanks
    ric1982
    • #3
    • 12th May 18, 10:13 PM
    • #3
    • 12th May 18, 10:13 PM
    Thanks,

    I am really worried (Monday can't come quick enough). If someone has any light on this then would really appreciate your input.
    • davidmcn
    • By davidmcn 12th May 18, 11:06 PM
    • 7,641 Posts
    • 7,773 Thanks
    davidmcn
    • #4
    • 12th May 18, 11:06 PM
    • #4
    • 12th May 18, 11:06 PM
    I would think whatever else you're using to evidence your nationality will outweigh the electoral roll.


    Get it changed anyway if you want to vote in all the elections!
    • ric1982
    • By ric1982 13th May 18, 8:27 AM
    • 102 Posts
    • 17 Thanks
    ric1982
    • #5
    • 13th May 18, 8:27 AM
    • #5
    • 13th May 18, 8:27 AM
    Will do that first thing tomorrow.

    Does anyone knows which credit agency (Noodle, Equifax etc.) is used by metro bank? May be putting change notice help?

    Irony is that I have applied for mortgage last year with Halifax and it came out ok. But each lender have different way of doing checks. Halifax currently dont have very good interest rates for what I am looking for. Hence the metro bank.
    • kuratowski
    • By kuratowski 13th May 18, 8:38 AM
    • 22 Posts
    • 36 Thanks
    kuratowski
    • #6
    • 13th May 18, 8:38 AM
    • #6
    • 13th May 18, 8:38 AM
    The electoral roll is used for proof of address, not proof of nationality. If your credit report is clean (no defaults) then I wouldn't put any notices on it because it will merely delay things.
    Mortgage when started (July 2013): 325,000 | Current mortgage (May 2018): 275,000
    Total overpayments to date: 5160 | Mortgage free day: July 2038
    • benjus
    • By benjus 13th May 18, 8:42 AM
    • 5,113 Posts
    • 3,149 Thanks
    benjus
    • #7
    • 13th May 18, 8:42 AM
    • #7
    • 13th May 18, 8:42 AM
    I don't believe the credit report says anything more than whether or not you appear on the electoral register at the specified address, so nationality should not matter here.
    Let's settle this like gentlemen: armed with heavy sticks
    On a rotating plate, with spikes like Flash Gordon
    And you're Peter Duncan; I gave you fair warning
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