mike is brilliant, we are using him at he minute just need to sell our house to get things moving, (anyone want to buy a 2 bed semi in oxfordshire!!)

might be that some lenders have a minimum time after completion before they will even look at giving you a mortgage, i think santander won't ever look at giving someone a mortgage if they have ever been in an iva or bankrupt.

we are using ryans firm to get us a mortgage and they have got us one with a high street lender despite our ages being 44 and my iva finishing in march this year so it can be done.

aperture are really slow at releasing the certificate, mine finished on september 12 last year and i got the certificate in march this year after i hounded them weekly with emails. in the december i thought it would be a nice xmas present getting the certificate but it turns out they hadn't done a t...

going through the process with mike now, he's certainly pulled the rabbit from the hat for us!! more than happy with the deal he's found so fingers crossed everything goes through

mine came off the register exactly 3 months to the date it said they were notified on when you look at the info under your name

i'm sort of in the process with that it's just their fees are making them a last resort at the minute

so when your answering the mortgage questions they seem to ask now if you have had any adverse credit in the last 6 yrs, so what would be the correct answer? is it yes as i've been through an iva in the last 6 yrs or is it no as i haven't tried to apply for credit so in theory there is no bad record...

i might do that ryan do i need to have any info ready for you?

the iva technically ended in september last year with that being my last payment but with apertures speed of a dead sloth in getting things done i only got my certificate through in march and im hoping for it to come off the insolvency register the end of this month. i had read somewhere that people...

so now we have the dreaded black mark of an iva against us does this alter the multiples of what mortgage companies decide to lend us? i think we may have up to 30% as a deposit on a new house we have seen costing £400k but im not sure how far this iva will go against us even though it's completed.

i've done the same foggy, i think there were 4 terms and conditions i didn't agree with so altered them or crossed them out completely. i've had phone calls and emails about sending it back from dfd which i probably will do at some point but i'm waiting for aperture to get involved and start to thre...

i took a screen shot on my phone of the rejection screen and sent them that and they were fine with it

never had any problems with upgrade on mine each year

the mortgage is there and my mobile, all in i think theres 5 on experian that all say good with no missed payments. just a bit surprised when my bank refused a different account but if it's still on the register then i suppose thats why