The mortgage was through Halifax at 4.99%

Am I ok to name mortgage company on here?
Broker was just a local guy, not sure how far afield he works

Sorry, just found the topic

Sorry the reply is so late, I managed to get a mortgage with a 15% deposit as soon as my iva left my credit report. Also my credit score was so much better the day the iva left. I had a number of people tell me it wasn't possible and had to wait at least 3 years from when I completed my iva. I'm so ...

Hi, I used this forum earlier this year but can't find the topic I was posting on. I found the forum really helpful and wanted to share my experience with obtaining mortgages after iva

Glad yours is going well. Hopefully will be in the same boat this time next week!

Thanks for the support. He hasn't got back to me as of yet. But will keep you posted if he gets back to me next week.

The iva stays on your credit file for six years from the day it started.
However the iva will leave the insolvency register 3 months after the iva is settled.

It may not turn out that low. I will post later when he comes back to me with some options

He seemed to think I'd have access to competitive rates. 4.99% for 85% mortgage.
He said he'll email this fternoons with some rates and options so I'll let you know then.

Luluj, Thanks for the broker deals. I have spoken to him this morning. He seems very positive about my situation. He says there should be minimal issues when the iva drops of my credit file. I mentioned what the other brokers have said about waiting 6 years from iva from completion. He just said it ...

Thanks kallis

Luluj,
Thanks for the reply. I can't find how to email you separately?

Thanks Lisa.
No defaults are on my file now. Only negative is my iva which will have left this time next week. I have a couple of positive accounts on my file.
Just heard mortgage companies can see information about ivas further back than the 6 years!

Sorry if this has been said before. I completed my iva last year and am looking for a mortgage. Does anyone have any experience about obtaining a mortgage after completing an iva? Just worried as my partner expects it to be ok but I'm not so sure. My iva leaves my credit file next week but have hear...