I had an IVA which finished 1st February 2015, wouId I now be able to get a joint mortgage ?

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Samantha.48

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Post by Samantha.48 » Mon May 16, 2016 4:42 pm
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I had an IVA which finished 1st February 2015, would I now be able to get a mortgage? I do not have any other credit. I would be looking to get a joint mortgage with my partner?
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kallis3

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Post by kallis3 » Mon May 16, 2016 4:47 pm
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Hi and welcome,

Your IVA will remain on your credit record for six years from the date you took it out.

Speak to our resident mortgage experts, Ryan or Shaun whose details can be found under the expert link on the left hand side of the page. They have been instrumental in helping many posters get a mortgage.
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
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Lisa Thomas

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Post by Lisa Thomas » Tue May 17, 2016 9:40 am
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Also make sure you have come off the register here:

http://www.insolvencydirect.bis.gov.uk/eiir/

and see if your credit rating needs tidying up.

You might find this quick video I made useful:

https://www.youtube.com/watch?v=PV4RzUY4BRM

Noddle and Clearscore are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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Shining

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Post by Shining » Tue May 17, 2016 2:20 pm
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Hi and welcome from myself too.

Ryan and Shaun are experts within their field and have assisted many posters with advice and obtaining them their mortgage. All the best and well done on completing.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Ryan

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Post by Ryan » Tue May 17, 2016 5:58 pm
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Hi Samantha.48
If you can advise the date you entered in to the IVA it would be helpful
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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