Mortgage help: Hi Ryan, I'm looking for some guidance regarding obtaining a mortgage after completion of my IVA. The IVA was paid early in January, certificate received in March and my record will leave the register at the end of June. However, the IVA will still be on my record until November 2023....

It does seem to be the case that you can generally offer slightly less than the sum of remaining payments to close the arrangement. However, with fees added, I imagine it would be difficult for you due to the arrangement nearing completion anyway.

I have had two reviews now, both completed online. You categorise your own spends and bills (over the previous 3 months) into sub-categories, so you're basically self-assessing. Once submitted, you'll likely receive an email within a couple of days advising whether there are any changes to your mont...

Hello, I've just officially joined the forum after months of browsing. I've just completed my second annual review of my IVA with Creditfix. I found taking the initial commitment to be the scariest aspect of my journey so far. I'd never heard of an IVA before I started to address my debt problem. Yo...