Not on the electoral roll

Answered on 20 August 2017 by Nick Morrey

My wife and I had a very good credit score last month and successfully applied for and got a large Mortgage with the Woolwich. Now, having moved, we recently applied for a BTL mortgage on a different property and find our credit scores are much worse. Apparently because we are not yet registered on the electoral roll of our new address. Can this be true, and if so, what advice can you give us to rapidly regain our old Credit scores? Thanks

Unfortunately for those automated lenders who rely totally on the computor based decision, not being on the electoral can put a big dent in your credit score with them.

The main thing that you can do is to get registered as quickly as possible, however with regards to the mortgage, if you can't wait for this to happen, it may mean that you'd have to look at a lender who 'credit checks', rather than 'credit scores'. This type of lender will be able to ignore the fact that you're on the electoral register yet, and proceed with the buy-to-let application anyway.

If you'd like to talk in more detail about your situation, then submit an enquiry and we'll arrange for you to speak to one of our consultants.

Answers provided in response to Ask the experts are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.

We recommend you seek professional advice with regard to any of these topics where appropriate.


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