What are my chances of getting a mortgage ?

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Maia

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Post by Maia » Mon Feb 23, 2015 4:14 pm
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HI - I completed my IVA a year ago. I completed early with a lump sum. I am now living with my partner who already has a mortgage and we are wanting to get a mortgage together and move house. What are my chances of this happening? We have a 20-25% deposit.
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Foggy

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Post by Foggy » Mon Feb 23, 2015 4:48 pm
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Very unlikely while the IVA is still on your file, but there is a good chance after that.

Have a word with Ryan and / or Shaun, who are whole of market brokers with experience in adverse applications.

Their contact details can be found under the "Ask a Question" link (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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Adam Davies

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Post by Adam Davies » Mon Feb 23, 2015 6:15 pm
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Hi

Well worth speaking to the mortgage experts that post on here

You have a good deposit so that can only help

When did your IVA start ?

Regards
Andam Davies
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Mortgagesteve

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Post by Mortgagesteve » Mon Feb 23, 2015 8:18 pm
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Hi Maia,
A deposit of 30% is the minimum that a lender I know would want after such a short time out of an IVA.
To put down less of a deposit would means being clear for 3 years.
Regards
Steve
Every thing comes to he who waits.
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luluj

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Post by luluj » Mon Feb 23, 2015 8:31 pm
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Have a chat with Ryan as foggy suggests. Ryan has successfully helped lots of forum members over the last four years ... everyone has different circumstances and Ryan will talk you through your options. Follow ask the experts and look fir Ryan's details. There is also Shaun another broker who has helped.
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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