I am desperate to get a mortgage

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Michelledd7

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Post by Michelledd7 » Sun Nov 16, 2014 9:35 pm
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I have completed my IVA and have received my completion certificate. The IVA is due to drop off my credit record on 6/3/2015 but I am desperate to get a mortgage before then. I am married so can my husband apply for a mortgage in his sole name not taking my credit history into account at all, and/or can you recommend a company that would accept me to prior to the 6/3/2014. thanks
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Foggy

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Post by Foggy » Sun Nov 16, 2014 10:00 pm
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I would suggest you chat to Ryan and / or Shaun, who are mortgage brokers with experience in dealing with those of us with an IVA in our lives.

You can find their details under the "Ask a Question" tab , top left, and scrolling down to the Experts Details section.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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plasticdaft

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Post by plasticdaft » Sun Nov 16, 2014 11:29 pm
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Are you linked financially on hubby's credit files?

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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Shining

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Post by Shining » Mon Nov 17, 2014 12:28 am
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Ryan and or Shaun can give you expert advice and hopefully be able to give you some positive advice.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Adam Davies

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Post by Adam Davies » Mon Nov 17, 2014 10:33 am
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Hi

If your husband can meet the lending criteria based on his own income and circumstances then there should be no reason why he can't secure a mortgage

Good luck

Regards
Andam Davies
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Ryan

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Post by Ryan » Mon Nov 17, 2014 11:11 am
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Hi,
Being honest, if you are married certain lenders will insist you go on the application, which would then make this not work for you.
I would be happy to look at this in more detail, if you would like to get in touch directly.
My contact details can be found below
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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Shining

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Post by Shining » Mon Nov 17, 2014 3:22 pm
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Interesting point re certain lenders insisting the spouse go on the application.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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