Cheers folks and thanks Andy (i was going to message you about this). I spoke again to First Direct who confirmed that they have a policy of waiting for 3 years post IVA to allow for a credit history to be built up. I am fairly satisfied that the credit i retained during the iva (mortgage etc.) Will...

The other half (main applicant) has an excellent credit record with no issues at all.

I have seen a few posts here that people have successfully obtained mortgages from First Direct a short time after completing theire IVA. My IVA finished in Octiber 2016 (6 years after starting), there were no issues at all during the IVA & i have the completion certificate. I have been in touch wit...

Mal, i finished my IVA in October after a years extension. I am hopefully coming towards the end of clearing up the credit file mess after my IVA. I would stongly suggest getting your credit files from Equifax, Experian and Callcredit. Check EVERY entry for creditors who were part of your IVA to ens...