What mortgage products will be available to you will be dependant on your personal circumstances including; loan to value required and your income.
After six years your IVA will not have an adverse affect on a mortgage application and you may well be able to walk into Halifax or The Woolwich and arrange a mortgage on the spot (obviously this depends on their product criteria at the time), but as both the guys have already explained, this is not always the best option.
FREE ADVICE IS THE BEST ADVICE
LEYBRIDGE LIMITED
Whole of Market Mortgage Broker & Mortgage packager
Specialising in adverse credit.
Directly Authorised Firm FSA No:313790
CeMAP 1,2 & 3 qualified
F.P.C 1,2 & 3 qualified
Financial Planning Certificate
Certificate in Regulated Customer Care
Certificate in Regulated General Insurance
Associate of the Charted Insurance Institute
see feedback and testimonials at:
http://www.leybridge.com/testimonial.php
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http://mikebdomain.blogs.iva.co.uk/
Please read our Initial Disclosure Document(IDD):
http://www.leybridge.com/Leybridge-IDD.pdf