我觉得自己的信用应该挺好，从来没有被BANK/CREDIT CARD/MOBILE PHONE等等的公司拒绝过。
但是刚刚在网上看了关于credit score的，有说不在electoral roll上会有影响。但是我不是citizen，没资格在那里上。
大家说会有影响么？
昨晚在CREDIT EXPERT上Order了report，但是还没能看到。
大家能说说自己的Mortgage经验嘛？
谢谢啊！！！
刚填好了申请表，然后要等credit check。
我觉得自己的信用应该挺好，从来没有被BANK/CREDIT CARD/MOBILE PHONE等等的公司拒绝过。
但是刚刚在网上看了关于credit score的，有说不在electoral roll上会有影响。但是我不是citizen，没资格在那里上。
大家说会有影响么？
昨晚在CREDIT EXPERT上Order了report，但是还没能看到。
大家能说说自己的Mortgage经验嘛？
谢谢啊！！！
我觉得自己的信用应该挺好，从来没有被BANK/CREDIT CARD/MOBILE PHONE等等的公司拒绝过。
但是刚刚在网上看了关于credit score的，有说不在electoral roll上会有影响。但是我不是citizen，没资格在那里上。
大家说会有影响么？
昨晚在CREDIT EXPERT上Order了report，但是还没能看到。
大家能说说自己的Mortgage经验嘛？
谢谢啊！！！
1. It is not necessary to be on electoral roll for a mortgage application. We had our first mortgage offered by Nationwide around 3 years ago when my wife and I were not on the electoral roll.
2. Being on electoral roll gives you higher credit scores. Very simple if you are a British citizen you are less risky to run away.
3. It is better to find a mortgage advisor to help you if you are a first time buyer and never applied for a mortgage before. A mortgage advisor gets commission fees from lenders not from you. But you should do some rates and fees home work first.
2. Being on electoral roll gives you higher credit scores. Very simple if you are a British citizen you are less risky to run away.
3. It is better to find a mortgage advisor to help you if you are a first time buyer and never applied for a mortgage before. A mortgage advisor gets commission fees from lenders not from you. But you should do some rates and fees home work first.
Hi, thanks for your reply!
I've done some homework and shopped around, finally go with this lender. I already have my AIP. Since my offer has been accepted, I need to submit the complete application. Now waiting for the credit check for final approval.
I've phoned the lender this afternoon, and confirmed that electoral status won't affect their credit check. A funny thing is, the operator said he isn't on the electoral roll either,
I think I should be alright. Keep fingers crossed!
1. It is not necessary to be on electoral roll for a mortgage application. We had our first mortgage offered by Nationwide around 3 years ago when my wife and I were not on the electoral roll.
2. Being on electoral roll gives you higher credit scores. Very simple if you are a British citizen you are less risky to run away.
3. It is better to find a mortgage advisor to help you if you are a first time buyer and never applied for a mortgage before. A mortgage advisor gets commission fees from lenders not from you. But you should do some rates and fees home work first.
I've done some homework and shopped around, finally go with this lender. I already have my AIP. Since my offer has been accepted, I need to submit the complete application. Now waiting for the credit check for final approval.
I've phoned the lender this afternoon, and confirmed that electoral status won't affect their credit check. A funny thing is, the operator said he isn't on the electoral roll either,
I think I should be alright. Keep fingers crossed!
引用(他乡客 @ 6 Jan 2007, 14:20) 
1. It is not necessary to be on electoral roll for a mortgage application. We had our first mortgage offered by Nationwide around 3 years ago when my wife and I were not on the electoral roll.
2. Being on electoral roll gives you higher credit scores. Very simple if you are a British citizen you are less risky to run away.
3. It is better to find a mortgage advisor to help you if you are a first time buyer and never applied for a mortgage before. A mortgage advisor gets commission fees from lenders not from you. But you should do some rates and fees home work first.
Can you tell me your lender?
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