Hi Melanie,

Thanks for your reply, i would like the details of that mortgage broker please as i would be nice to keep all our options open.

Thanks again.

Thanks for replying this really helps

Teena

My partner has an IVA and we have been wanting to get a mortgage but his credit rating is bad. How long does it take to clear from his name and when he has paid back all the money will it just clear. please help as i've heard you can get a certificate to get it cleared??