Looking for a canny post IVA sympathetic mortgage provider

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Johnd1445

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Post by Johnd1445 » Sat Jul 09, 2016 8:08 am
I'm a year out of my IVA now and although all the unsecured debt has gone, I am still saddled with a £125K repayment mortgage and a secured loan on which I owe £59K. The APRs on these are about 4% and 9% respectively. My Home is worth about £230K, and I am 55 years old. I am trying to get my outgoings down as I am not currently working and looking to start a small business with some small savings. I may be a basketcase but there used to be some canny mortgage guys posting on this site a few years back and I'm wondering if, given there is some equity in the house, I can get these outgoings down from the current £1500 pcm its costing me at the moment by consolidating with another post-IVA sympathetic mortgage provider - if anyone will have me that is...
 
 

kallis3

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Post by kallis3 » Sat Jul 09, 2016 8:27 am
Hi and welcome,

Have a word with our resident mortgage experts Ryan or Shaun (details under ask experts a question link on the left hand side of the page)as they have helped quite a few posters out on here.
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
 
 

Johnd1445

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Post by Johnd1445 » Sat Jul 09, 2016 9:34 am
Thanks kallis, I originally posted in that area but will drop an email to Ryan as suggested. I used to post as soreloser years ago when I was with cdebt who did a grand job.
 
 

kallis3

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Post by kallis3 » Sat Jul 09, 2016 9:38 am
Right - good to see you back and hopefully Ryan will be able to help. Shaun is also recommended.
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
 
 

ordal91

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Post by ordal91 » Sat Jul 09, 2016 11:01 am
Hello

I had success recently getting a re-mortgage from a high street lender after competing 6 years from start of iva and checked to make sure credit file all up to date with no negative mark, however as the other posters have suggested , use the help of whole market brokers who specialize in post iva mortgage.I used a broker and there were no hiccups

I was left in the end with a choice of 3 high street lenders to choose from , Barclays,Halifax and tsb. I went with tsb.

good luck
 
 

luluj

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Post by luluj » Sun Jul 10, 2016 4:51 am
Using a specialist broker as others have suggested is the important factor. Ryan and or Shaun will be able to help and support you.
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"
 
 

Lisa Thomas

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Post by Lisa Thomas » Mon Jul 11, 2016 11:28 am
I agree speak with Ryan or Shaun best of luck.
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
 
 

Ryan

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Post by Ryan » Mon Jul 11, 2016 4:07 pm
Hi John,
Happy to look in to this if you want to get in touch
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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