Time to move my mortage..need help please

[bagpuss]

hello everyone..

Our IVA was complete 3 years ago...it wasnt the 5 year, pay monthy kind, it was a 1 off payment arranged through Grant Thornton. We have been debt free since... we did a remortage at the time to raise the money needed...and to afford the new monthly mortgage payments we took our mortgage back to 30 years. It was at a discounted fixed rate for 3 years. that will finish with no redemptions to pay at the end of october. So we now need to get another mortgage so we can hopefully get a better deal/rate. I have already asked at our bank..(Alliance and Leicester) but they said no due to the IVA we had 3 years ago. Is everyone going to say no...? i dont have a clue where to start looking...? i am scared of making a mistake and getting hooked into some dodgy mortgage company that i know nothing about. Please could someone guide me into the right direction. Our mortgage is about 114000 over 27 years now...we dont want anymore than we owe and would maybe (depending on how much) like to drop a few years off the term to help us get back to where we started. Any help would be amazing and i thank you.

Also...(sorry dont ask much do i) i would dearly love to share our experiance with you all...from start to finish...feelings, worries, how it started and finished...where would i do this...?

[mikebdomain]

Hi bagpuss and welcome to the forum, please contact any of the mortgage brokers who post on this site. Either myself or welshboy will be able to discuss your requirements with you.

FREE ADVICE IS THE BEST ADVICE

LEYBRIDGE LIMITED
Mortgage Broker
Specialising in adverse credit.

see feedback and testimonials at:
http://www.leybridge.com/testimonial.php
Check out my blog at:
http://mikebdomain.blogs.iva.co.uk/
Please read our Initial Disclosure Document(IDD):
http://www.leybridge.com/Leybridge-IDD.pdf

[Skippy]

Hi Bagpuss and welcome to the forum. I would suggest speaking to Leybridge who are a firm of mortgage brokers - MikeBDomain posts on this forum and the details are available in the experts section of the forum. You could also speak to Tony Parsons who posts on here as Welshboy.

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[bagpuss]

that was quick...many many thanks..i take it going through the high street lenders is a waste of time...? i guess like Alliance and leicester they will just say no. Do you think we will be offered a decent rate now..?

I am making notes of those names you gave me as we speak/type.

[mikebdomain]

Bagpuss you may get a high street product and your rate will depend on your personal circumstances. After carrying out a full fact find a broker will be able to find the best product you can get whether that be a high street or sub prime product.

FREE ADVICE IS THE BEST ADVICE

LEYBRIDGE LIMITED
Mortgage Broker
Specialising in adverse credit.

see feedback and testimonials at:
http://www.leybridge.com/testimonial.php
Check out my blog at:
http://mikebdomain.blogs.iva.co.uk/
Please read our Initial Disclosure Document(IDD):
http://www.leybridge.com/Leybridge-IDD.pdf

[Oliver]

Hi Bagpuss

It would be great to hear your personal experiences. Feel free to start a new thread for this or even write a blog if you would like. You'll find deatials of the blogs on the home page, towards the bottom.

Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

[Adam Davies]

Hi
It would be great if you could write a blog of your experiences,as Thomas Charles have suggested.
Regarding your remortgage use a broker as they can access many hundreds of schemes and will find the right one for you.
Leybridge I can recommend as I have used them myself.
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[bagpuss]

eeek...have wrote a blog and i cant find it on here...i thinks its gone out into cyberspace....???

[lily]

the bloggs have been taken over by spammers again.

lily

[bagpuss]

shame...isnt there a spray you can get from B&Q to destroy those yet..?..LOL

[bagpuss]

In 4 years time our IVA will be removed from the credit file as we did it about 2 years....after that time do we have to tell future lenders (mortage) about the IVA still ....?

[Skippy]

I think you have to declare it if you are asked, but you don't need to volunteer the information.

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[bagpuss]

thanks skippy.