sorry, it sent before I wrote my reply. Thanks Kelly 23, that is pleasing to hear. My husband has an excellent financial history, so hopefully it should be fairly straightforward then. We are likely going for the government's help to buy scheme too.

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Kelly.23 I would agree about speaking to a broker. We completed our iva in January this year and got a mortgage offer within a few months, contracts have been exchanged and as its a new build property ...

Thanks to you both for your replies, I will contact the experts for a chat. I don't mind waiting 6 months after completion to try and repair my credit rating, but then want to try as soon as possible for a mortgate.
thanks again

How long is it advisable to wait before applying for a mortgage, a joint mortgage with my husband, whom I was not with when I started the IVA ( which completes in October) Will we be able to get a normal interest rate? He has always had a very good credit rating.