Hi
I was in an IVA and have completed nearly 3 years ago and i have very minimal payments.
I am looking to get married next year with my Fiance but she currently owes £21000 on various credit card and has a mortgage with £120000 worth of equity in her property.
we are looking to get a remortgage for her to clear these debts and release some equity but are are hitting a brick wall with affordability as i have agreed to go on the mortgage with her.
i earn over £25000 pa but cannot find a broker who is willing to help.
Does anyone have any idea for a broker that can help us.
Contact Ryan or Shaun, both forum experts in mortgages. There contact details can be found under ask the experts a question or the members button under the a-z.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Hi and welcome. as Luluj says Ryan and Shaun have both helped a few posters so it may be a good idea to have a chat with them to get their expert views.
Good luck and hope one of them can assist.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
I entered the IVA in 2008 and completed in 2013 so 3 years ago.
My credit file is all up to date and is clean and my IVA dropped off 3 years ago and i am well on track.
I am just a worried as my partner wants to remortgage as i earn a decent salary and wants me on the mortgage as we plan to get married and live in the property.
can we get a remortgage and will we be accepted as it using her equity.
Hi
There is a lot more I need to know but I am sure there are options for you.
If you contact me at the website below I can look into this in more detail for you
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre
IVA Mortgage advice needed? Looking at Right to Buy and completed IVA still on credit files ?
Thanks Ryan for listening when I contacted you today and putting our minds at ease regards remortgage.
I will have a chat with my fiance this weekend as it is a joint decision and will decide about the best course of action.
Just a relief to know that we can move forward and you and your team can help us and advise and is very much appreciated .
My fiance has started Temping and is looking to full time employment.
I think the best option is for her to get back in the groove of things as if we are going for the option of a new mortgage she needs to be working as well to contribute.
Just so glad I spoke to Ryan and his team and that we can move forward.
I was in an IVA and completed 3 years ago and have an up to date Credit Report with all greens and no reds.
I have got a Vanquis Credit Card that has a credit limit of £1000 but glad it's that as I pay it off with loads more than the minimum every month.
