My last payment will be March 2017. Advice please about getting a mortgage in the future.

[Nic.15]

I am just coming into the last 9 months of my IVA last payment due 09/3/17. What would you suggest I do re getting a mortgage in the future. I have a small baby and live in a very small property so need to look at getting out asap.

My boyfriend is not in an IVA and has a current mortgage a great credit history and a large deposit saved. We don't think we can get a good sized mortgage without my salary being taken into consideration. What would you advise?

[Foggy]

You will not be considered for a mortgage for 6 years from the start of your IVA, after cleaving up your credit files. Have a look here for that bit:

http://debtcamel.co.uk/repair-credit-record-iva/

When you are ready to apply, you will need the help of a whole of market broker experienced in adverse credit, such as Ryan or Shaun, who both post regularly on this forum. Some lenders are more amenable than others.

[kallis3]

Totally agree with Foggy on the above.

[Lisa Thomas]

In addition your IVA needs to have been finished and you need to have come off the register.

Your IP might take up to 6 months to close so might not come off the register for up to 3 months afterwards which might not be until December 2017.