my iva has been finished for 3 years, and it has also dropped off my credit report. do i need to declare it when making a mortgage application - or is there any company who will offer me a "normal" mortgage without taking the IVA into account?

my IVA has been satisfied for a year, am looking for a mortgage - anyone know of anywhere I can get one? Also, once the IVA has dropped off your credit file (6 years from start?), do you need to declare it as presumably it's not visible on a search?

I completed an IVA in May 09, with the paperwork taking until Dec 09 to be registered as finalised. Its due to drop off my file in June next year anyway. Am trying to find out my options re mortgages. Current mortgage I have is on a property that we rent out with permission from our mortgage provide...

ok, thanks - i will have a look through all that and find out. I just want to make sure I'm fully aware of what's expected so my IVA company can't try me for any more!

great, thanks Melanie, that's what I thought. Can you give me a rough idea of what I can expect those fees to be?

My income imcreased massively 6 months after my IVA started, and so i am at the point now where I will have paid off the full debt I originally owed within 4 years of my IVA starting. Will this mean it ends early? And will I then be expected to pay the fees as well rather than the creditors?