Hi, One of the posts you often see is "can I get a mortgage after an IVA". The answer is yes. The team at Zebra (Mike Jones) are a godsend. We were less than two years completed, and have a new high street mortgage at a great rate. So work with a broker (I went with Zebra, but I know the others on h...

Hi DK, So shortly after the 6 years of an IVA there are very few HIgh Street Lenders who will look to lend normally. A few will consider applications whcih generally means going to an Underwriter. We certainly have access to Lenders who would look to lend normally now. It can also be a completely d...

Hi all, Long time no posting!! However, this forum was a great source of support / reassurance while I was leading up to, and during my IVA! however, looking for a general feel on a mortgage question....! I've been out my IVA now for over a year (14 months give or take - started in 2011, all complet...

That is interesting. We are looking to move house now that the IVA is about to drop off our reports (three months and counting) so it is great to know there are options out there!!

@Ryan - I have submitted a question on your website so any guidance would be appreciated!!

Thanks!

Ian

Excellent choice - no disrespect to the great contributors from other companies, but MD have been excellent - very clear and transparent for the annual reviews, and the team in Derry that I have dealt with have been wonderful. Recommended!!

Hi all, Hopefully an easy question for someone - my IVA ends this year at the end of year five - no extension as I have no equity. In terms of coming off the insolvency register and the restriction on the house - do these come off once last payments have been processed etc, or will it be at the end ...

Mr Peoples, as always you are a scholar and a gentleman!

Thanks for your help!

Hello everyone - first post for a LONG time!! Can't believe that I am close to month 54 - so close in fact that I have just sorted by redemption statement and had a valuation on the house. It looks promising - house valued at £165k, outstanding mortgage of £138k. Using the 85% LTV it comes out at £1...

Howdy!! Just a quicky! The eldest is getting to the age where she's getting more in dependant, and would like a bank account with a debit card for her hard earned pocket money!! Will the iva prevent this? I bank with the co-op, who don't provide a kids account. Anyone else been through this?! Cheers...

Hi all, Bit of a long winded one I'm afraid, but it's all in the spirit of being fully prepared for the upcoming Annual review next month! So....... When I started my IVA I had a childcare allowance in my I&E, & I paid for childcare vouchers. Two kids, one was before and after school care, one was f...

Cheers!! If we went down the variation route, what happens? Is it a case of collecting all the paperwork like and I&E? Or more?!

Hi all, Following on from my earlier posts, my car, after £1,000 of repairs which came out of a long saved pot of cash, has come back with another fault, which will cost another fortune to repair. A fortune I don't have. I'll be phoning my company tomorrow McCambridge Duffy) to see whether I'm allow...

I was thinking - in my Annual review I will be due to pay in some bonus money from Christmas - only about £150 - If I can demonstrate that I have used this for essential car repairs, will they insist in it still being paid into the IVA?

Thought I would return to these hallowed pages after a break, and what better way than to have rant!!! Rant One - b***** IVA costing me a job!! Same old story, Boy goes through four interviews for job, Boy gets job, boy gets job offer retracted once background checks were completed. As I explained, ...

Hi all, Post title sums it all up really! Had a payment break earlier in the year as the car was pooped. Well this time it's gone for good. Bad times! I need the car for work and children duties, and I have no family available to take out any kind of finance to pay back. What are my options? I've se...