The mortgage was originally an endowement mortgage. I cashed in the policies a few years ago to try to get my head above water. The intention was to convert to a repayment mortgage when things were better but they've go worse :-(. I'm now looking at an IVA, but at 47, when its over I'll be 54 and th...

Hi All Just about to go into an IVA, but I have a worry about my mortgage... I currently have an interest only mortgage, with no way of paying it off at the end of term. My worry is that if I enter into this IVA, I'll not be able to pay off my mortgage at 65. I'm currently 47, so when the IVA ends I...

Thanks Jan
Guardian is the company suggesting the DMP and Harrington Brooks suggest the IVA. I think they are both suggesting a joint one, although If I could keep my wife separate I guess that would be good?

Here's my first post and I'm hoping you guys and gals can give me some hope.... My wife and I have amassed a debt of £92000 between 6 creditors. I My wife has a 20000 loan and I have the other £72000 which is between 3 credit cards and 2 loans. We have a mortgage of approx £295000 and a secured loan...