Ok so first broker was a waste of time and now 2nd broker has got us a mortgage offer today with Halifax. It was strange as Halifax website states have you been discharged from an IVA within 6yrs yet on the application and when you speak to them it's entered into so obviously that's no as I entered ...

Thanks. Refusals don't show up only hard searches on application.

Hi all, entered IVA in 2009 and completed in 2014 with no issues. Credit file ever since I've built back up with no defaults etc etc. Recently reserved a new build and the financial advisor didn't put my IVA on application with Santander. It's still at underwrite but expecting to decline as he has c...

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If thats the case whats the point in the IVA i may aswell have carried on paying bills at full whack and struggling lol

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