Hi I agree with broker support, Ryan was the man who helped me initially and I would encourage people to speak with him. Yes I also agree that everyone's situation is different. Just for additional info we had a 10% mortgage my Wife's credit file was excellent and although miine had been excellent r...

FYI for anyone interested. I have now managed to get a mortgage with Hailfax. Halifax have in the last month or so changed their policy on asking about IVAs. The question used to be 'Have you ever had an IVA?' and now they have reverted back to how it used to be some time ago now asking 'Have you ha...

Thanks all for the responses. I think the 15% deposit is do able so I am planning to save up the remainder of that. My credit record has got to excellent since I came out of my IVA 3 years ago as I have gradually built it up. I spoke to my high street bank yesterday but I will only get a definitive ...

Hi This question is posed to Ryan who seems to be the man to go to regarding mortgages. My current situation is I started my IVA in 2006 and I completed it early in Sept 2009, although my completion certificate wasn't signed off by my IVA company until June 2010 so this is classed as the official en...

I am currenty coming up to the second year in my IVA. I am currently sharing a property with my sister and a friend and the rent is £480 between the 3 of us. Due to a change in all our circumstances we are all moving out, I am looking to move into accommodation on my own within 3 miles of the same a...