What sort of interest rates are available, are they very high like other 'bad credit mortgages'?

In April next year 6 years will have passed since our IVA started and despite early F&F nearly 3 years ago we have been stuck waiting to move and get a mortgage with this on our credit report. Any idea once the 6 year date has passed how long it will be before we can start applying for a mortgage?! ...

Was that a normal mortgage or was it at a much higher rate, if you don't mind me asking?
How long did you wait?

I hope that in 3 years when the iva and defaults off our creit file we will have a chance at buying a bightdp house, I was just looking for a solution in the meantime as I got 2 children sharing a box room which won't fit full size bunks and eldest is head to toe on the headboards of her bed! But I ...

I completed my iva early with a full and final settlement, I have a mortgage which has been kept up to date, we have a small house and a growing family, but need now to wait 3 years before we can apply for a mortgage to move up to a bigger house, my question is... If we sell and pay off the mortgage...

Hi, I paid my IVA off early and would now like to save until I'm able to apply for mortgage. I applied for an ISA with coop who declined me. I didn't realise banks credit check for savings! Can anyone suggest a bank that will accept me for an ISA? Do Nationwide do credit checks on ISA'S, I was inter...

I'm 6 months post completing of my IVA and trying save, why am earth have I been turned down for an ISA with coop based on credit scoring, seriously!!!!??? To save money??

Hi my husband and I completed our IVA in Feb this year,we had our completion certificate and worked hard on getting our credit files sorted,which they were, now all of a sudden a default debt has appeared on my noddle report with Cabot financial, never heard of them?! The date of the debt is in 1999...

My iva has just been agreed to be settled early with full and final offer from a 3rd party but will of course remain on my credit file. Is there any hope of a mortgage whilst its still on my file, what if I had a garauntor or could it be secured against parents home which is mortgage free, would thi...

I'm with nram too and I received a couple of similar letters whilst I was still on a fixed rate, they are just trying to move as much of the debt off their books. Since my fixed rate expired and I've been free to move if I could they have not written again and I'm just on their standard variable rat...

Hi all, I'm hoping that a f&f settlement will soon complete my iva early but in the meantime the iva will remain on my credit file for another 4 years, I'm keen to get a mortgage after this and want to do my best to improve my credit score and demonstrate I've learnt my lessons. Is there anyone who ...

OK, so I've talked it through with my FIL and we currently pay £672 a month, with 46 months remaining and 12 extra months, that comes to around £39,000. My FIL suggested he could offer £33,000, is there any chance this would be accepted as F&F or would it have to be the full amount?

How much should my Father in law offer for a f&f settlement. We have 46 months left of a 6 year IVA. We have a equity clause with a 12 month extension if we are unable to remortgage in the 5th the year. My Father in law wants to make an offer but I dont know what to suggest given the equity clause, ...

I am 2 years in to an IVA, as per my previous post I am thinking about asking a relative to help with f&f. Will the Iva still stay on my credit file for 6 years from when I started? Is there any hope of a remortgage and moving house before then? Would a guarantor help at all? We are so desperate to ...

Mab,

Did you have an equity clause with a possible extension? Did you consider equity with the offer?