m15

At the moment you would have to be discharged for at least 1 full year. The deposit as Melanie said would be quite a large part of the overall value of the property.Tony

Secured loans generally do not operate on the same basis as mortgage lending although the definition of a mortgage is a secured loan on a property. Secured loans have no svr and are payable at a pre-determined rate, the contract doesn`t negotiate for drops in interest rates, pretty much the same as ...

jonesboy

As already advised your first port of call should be your existing provider, explain to them what you are trying to and they will advise from there.

If you need any further advice or information please feel free to contact me. Best of luck. Tony

As Melanie quite rightly says the critical element will be the loan to value on the property.

When you are coming to the end of your present deal make a point of speaking to your present provider unless you have a low ltv and then it may be worth looking about.

Tony

As Michael correctly states any adverse will be on the credit file for 6 years, nobody knows what the mortgage market will be like in 6 years.

With regard to the mortgage an iva will impact on this in relation to the schemes available to you. The interest rate along with the loan to value are 2 typical issues you will find have a bearing on someone with an iva on their credit file. You can apply for mortgage funding whilst in an iva as lon...

julieh1

If you want to email me then I can advise you from there,I will need further information personal to yourself. Tony

julieh1

What lenders were you trying to use, and what was the reason you were refused the remortgage. Tony

janette.og Your daughter will have the iva on her credit file for quite a while even though the iva may have been repaid. Your daughter could apply for mortgage funding whilst in an iva but would need permission from her IP in order to do so. The fact that the iva has been repaid would not automatic...

ksmiuk

You are correct they do in fact deal with IVA`s, their rates reflect their attitude to lending in this marketplace. Tony

endofroad

What is the value of the property, age isn`t always an issue, affordability would very important i.e. your income in retirement.Tony

lottie24

The rate will depend on your own particular circumstances, you would be looking at ltv`s of 70-75%. Tony

nkershaw

Tina is a very knowledgable lady and knows her stuff, have faith in her advice.Tony

The critical item here would be the loan to value that you wanted.

Hello purpleshirt

I may be mixing you up with someone else that I replied to on 28th Jan. (they used the same alias).

If this is you I mentioned in my email that there was a deal @ 75% ltv. It is difficult to get 80% deals at the moment.Tony