Hi
I completed my IVA 2/3 years ago. Nothing on my credit file. We are currently renting but our landlord needs the house back and has given us notice today.
I have rang my bank (natwest) to enquire and have been told that the RBS group will not lend money if you have every been in an IVA.
Who could I get a mortgage with??
For the bank that almost went bust itself RBS are notoriously unhelpful !
I would advise that you have a chat with one of the whole of market brokers who post on forum; Ryan and / or Shaun, who have helped many ex-IVA'ers get mortgages.
Their details can be found by scrolling down the page on this link, to the Experts Details section:
You need to speak to Ryan or Shaun (details on the experts page) they help people who've had financial problems get a mortgage. Don't try yourself as unnecessary searches on your credit file will reduce your chance of success. Good luck!
There's more to life than money....but it does help!!
64 payments made. Full and final with payments made to date accepted on 26/05/15 completion certificate received 17/06/15
I agree that you need to speak to either Ryan or Shaun - they have helped several people on here to get mortgages. You may find the interest rate is a little higher than normal but at least it gets you on the ladder.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
completion certificate received 17/06/15 
