I have no tie in after this initial period, I am free to look elsewhere without penalties. My IVA did have a 4th year clause and I did not want to continue paying the £813 a month I pay at the moment to then have to remortgage in 2 years time once the 4 year period is up, effectively paying £813 x 2...

Thanks guys, I am currently in an IVA and have been contacted by a company to try and remortgage me to get out of it now, they obviously charge a fee for the service and the mortgage brokers do the same, is this a good idea or would it have the same effect as me searching for a mrtgage myself and th...

after settleing an IVA, be it seeing out the final payment after 5 years or settling early with a lump sum, how long does this stay on your credit record and how will it effect you getting credit such as a mortgage at a high street rate?