Thank you for this. I was actually on a debt management plan, and didnt have an IVA, does this make a difference?

I am about to come to the end of five years of being clear from debt through a debt management plan/IVA with the CCCS. I do not have a certificate which I have seen other people mention. I am looking at a shared ownership property in London and earn £3k over the minimum reqiured amount, can fund th...