Mortgage success - hope for the future

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lpostofficethompson

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Post by lpostofficethompson » Sat Dec 06, 2014 4:02 pm
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We wanted to post this info on the forum as for many months we viewed other peoples posts for hope and inspiration.

We took out our IVA in 2008 and managed to pay it off by 2010. However, the IVA was only finally removed from our credit records on 14th October 2014.
We were desperate to move house for work reasons and began talking to Ryan at Zebra Money in June to see whether this would even be a possibility given the new mortgage rules and how difficult it seemed to be to get a mortgage for people with perfect credit records, not alone for us.
Ryan has become a friend over the past 6 months, helping us to clean our records, holding our hands and giving advice along the way. He applied for a mortgage on our behalf on 15th October, just the day after our IVA was wiped from our records - 3 days later we had a mortgage offer in our hand from a high street lender - we put down 15% deposit, mortgage was for £145,000. Yesterday, we completed and took the keys to our new house.
It has been a long stressful process, but Ryan has been with us all the way and we would not have been able to achieve this result (legitimately and honestly so no worries about any comebacks in the future) without his help.
There is definitely light at the end of the tunnel and if you need to get a mortgage we would recommend Ryan every time. We'll be using him again when the fixed rate comes to an end in the future.

Good luck to everyone...

Louise and Kevin Thompson
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recovering

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Post by recovering » Sat Dec 06, 2014 4:11 pm
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Well done you & Ryan!
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Foggy

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Post by Foggy » Sat Dec 06, 2014 4:32 pm
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Great post and goes to show that there is life after an IVA and a pat on the back for Ryan :-)
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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Shining

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Post by Shining » Sat Dec 06, 2014 10:41 pm
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I agree a great post and Ryan has helped a few members and so glad he could help you.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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kazzafunk

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Post by kazzafunk » Sat Dec 06, 2014 10:54 pm
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Great news. And just before Christmas as well!!

Shows that you can move on after an IVA!
Kazza

Please visit my blog:
http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
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welshwiz

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Post by welshwiz » Sun Dec 07, 2014 6:28 am
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Gives hope to all. Have a great Xmas in your new home and what a great start to a new year.
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plasticdaft

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Post by plasticdaft » Sun Dec 07, 2014 8:43 am
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Brilliant news. Enjoy the new house.

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

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Post by Garcks » Mon Dec 08, 2014 1:06 pm
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This is a really good read and gives hope to people (like me) who wish to purchase a home again in the future. Best of luck and enjoy, you have earned it :)
First annual review (with CreditFix now) underway
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luluj

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Post by luluj » Sun Jan 04, 2015 7:07 am
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Brilliant work and well done Ryan and team ! Enjoy your new house !!
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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seagulls

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Post by seagulls » Sun Jan 04, 2015 6:20 pm
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Great work ! Your post will give hope to many still on their journey .
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Cleo76

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Post by Cleo76 » Tue Feb 17, 2015 9:19 pm
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Congratulations!!
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