We had our official mortgage offer today following a satisfactory valuation :) Even with the endless pestering of questions, nothing has been too much and responses are pretty much immediate. I have a couple of friends using brokers (none of whom have had adverse credit history) and they both have h...

<t>I just want to write a post to give hope to others in an IVA who want to get a mortgage once it's complete and worried it seems like it'll never happen! My IVA dropped off my credit file on Sunday 4th Feb 2017 and by the Wednesday (yes, only 3 days later!!) I had a mortgage in principle with a hi...

Thanks Merlin, and congratulations on your completion too!! There's light at the end of the tunnel :) I also spoke with Nationwide (who I bank with) and asked them what they ask on a mortgage application form and they ask have you entered into an IVA in the last 6 years which I could legitimately sa...

Thanks everyone! And some good advice there Midland Blue, I'll bear it in mind if I don't see it dropping off the insolvency register soon.

That's really helpful, thanks Foggy. This forum has been so helpful to me over the years So I'll wait to drop off the insolvency register and give it a go!!

So I've done it, I'm free!! I received my completion certificate today and it feels amazing. I entered into an IVA on 04/02/11, last payment on 1st Feb and IVA closed on 8th April. It was with Aperture, formally Grant Thornton; I had prepared myself for at least a 6 month wait so I'm more than happy...

Thanks everyone, you've all been really helpful

Thanks both. Can I pose another question please? If my partner was to offer to pay the £1400 on my behalf as full and final payment and this was accepted, how long would it then be until I got my completion certificate? He's not included in the IVA as I was already 2 years in before we met. The reas...

I have 7 payments left of my IVA - nearly there yay! I pay £200 a month. I've just been advised I may be getting a £10,000 bonus (around £8000 after tax). I know if this happened I would need to declare this and 50% would be taken. However, this would be £4000 and I only have £1400 left to pay ...

I'm still in my IVA at the moment but looking around at how easy (or difficult!) it will be for me to get a mortgage. On Nationwide's mortgage application form, it asks "have you entered into a voluntary arrangement with a creditor in the last 6 years." Does this mean the date the IVA started or any...