Mortgage

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barty9

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Post by barty9 » Tue Aug 26, 2014 2:03 pm
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My partner has a good credit history and mine is poor (Full and Final settlement IVA agreed 18 months ago)

Would we ever be able to get a joint mortgage now? or is it worth trying again in 4.5 years time?

Thanks
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Shining

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Post by Shining » Tue Aug 26, 2014 2:11 pm
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Hi, if the mortgage is to go in joint names then I personally would think to wait until your credit file is tidied up. 6 years from date of IVA things should start looking much better and then a joint mortgage might be possible.

We have Ryan and Shaun our resident mortgage experts who post on the forum their contact details can be found in the ask experts a question link to the left, might be worth a word just to get clarification from an expert and then be able to forward plan.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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barty9

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Post by barty9 » Tue Aug 26, 2014 2:13 pm
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thank you Lesley - much appreciated.
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Shining

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Post by Shining » Tue Aug 26, 2014 2:35 pm
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more than welcome and anything else you only have to ask the forum. All the best for your future.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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luluj

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Post by luluj » Tue Aug 26, 2014 10:03 pm
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I am sure a conversation with one or both of the forum experts will help you out....
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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Ryan

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Post by Ryan » Wed Aug 27, 2014 12:14 pm
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Hi,
This might be possible, but i would need to know a lot more information from you. You would need about 30% to 40% deposit though.
If this is possible please get in touch directly.
Could your partner do this in their name only?
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed? Looking at Right to Buy and completed IVA still on credit files ?

Contact me at http://www.ivamortgageexpert.co.uk or via the expert page
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