Hi Gina. As Luluj said you are best speaking to a broker such as Ryan. Dont try youself as you will most likley end up ruining your credit file with rejections. You will most likley need a fairly large deposit and as far as time scales go you should be ok as long as your IVA is not showing on any of...

Hi Phil. ive just got a mortgage with the Halifax by going through Ryans company. I think i have may have been lucky though as it seems that shortly after my application the halifax have changed thier application and it now asks if you have ever been in an IVA (it didnt previously). There are howeve...

looks like you got lucky! After speaking to Ryan i had an offer in principle from the Halifax but it seems that they have just changed their forms and they now ask if you have ever been in an IVA.
Having to try a different lender now. fingers crossed.

I spoke to my IP and luckily my IVA will end after 60 months (2 payments left). They said the 72 months was just the limit to which the term could be extended too if the need arose. So maya, if like me you have no equity then you should be ok.

Thanks all. im going to call my IP in a bit so will get back to you with what they say. hopefully ivoryfalcon is right! I have no mortgage as i rent. i did have one months break so id expect 1 month to be added at the end but hopefully not another year!

thanks all

Hi all, i wondered if anyone could give advice on my situation. Ive been paying my IVA for almost 5 yrs and was thinking that i was nearly done with it when i received another yearly budget review letter from my IP. This confused me as i thought i was done after a few more payments so i dug out all ...

I know there isnt really an easy fix. I was only considering this as my finacial circumstances have greatly improved since i entered into my IVA.
So now i have to weigh up the pro's and cons of paying more into my IVA monthly as opposed to trying to settle it.

Thanks all. i didnt realise my credit rating would be bad for 6 yrs regardless. i thought that it would be a year from when it was finished / settled. Thanks for the extra info. i guess i will just have to try and save as much as possible. but then in reality in supposed to give the creditors that a...

Hi all. I have been in an IVA for 2 years now. Im a tennant so have no equity but as my finances have improved over the last year or so id like to get out of my IVA so i can repair my credit rating quicker. especially as id like to get on the housing market within the next year. Can anyone advise if...