Hi,
I came out of my IVA last September, all paid and complete, I was wondering if I could remortgage my house, but not sure how I would stand with mortgage companies, does my IVA stay on my file for 6 years from when I started it, or is it another 6 years after completion ? Any ideas please elp anyone ??
Hi we have mortgage experts on the forum, Ryan being one who has helped many posters. The IVA stays on your credit files 6 years from the meeting date.
If you want a chat with a mortgage experts Ryan can be found in the ask experts a question link just scroll down to fine him.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
IVA stays on file for 6 years from the start, but some mortgage lenders will not lend for 6 years after the end ! However, some will Have a chat with Ryan.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Hi Darren
The IVA will make things more restricted when it comes to lenders, but will not stop you from doing this.
You need to ensure the IVA removed from all 3 credit files along with any adverse entries.
Once you have the reports i would be happy to look in to this further for you if you get in contact
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre
IVA Mortgage advice needed? Looking at Right to Buy and completed IVA still on credit files ?
Have a chat with Ryan.