Hi, I'm a teacher whose iVA is up in August. Any likelihood of getting a mortgage in August ?

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Lucy.20

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Post by Lucy.20 » Sat Nov 21, 2015 3:38 pm
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Hi, I'm a teacher whose iVA is up in August. Also 6 years since it began due to maternity break. I have not missed any payments. I earn £34000 a year and my husband £20000. My mum is putting up a £18000 deposit for us. Likelihood of getting mortgage in August or shortly after?
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lifenoteasy

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Post by lifenoteasy » Sat Nov 21, 2015 4:02 pm
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Speak to Ryan or Shaun under ask the experts.

From what I have seen they normally say that iva needs to be off your credit record which should happen as soon as you have your completion certificate.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
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Michael Peoples

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Post by Michael Peoples » Sat Nov 21, 2015 6:16 pm
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Sounds like it may be possible so speak to one of the mortgage experts.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
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luluj

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Post by luluj » Sat Nov 21, 2015 11:21 pm
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You might have to wait until you receive your certificate but no harm.in speaking to Ryan now to set things in place etc
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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Ryan

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Post by Ryan » Sun Nov 22, 2015 7:46 pm
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Hi,
Happy to discuss things now so you are all ready for August.
You will need your completion certificate and all credit files clear to get the best rates.
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 23, 2015 2:55 am
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Hoping that Ryan or Shaun will be able to help. Worth a chat at least to find out what you need to do to make this happen. All the best.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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