Hi all,I wonder if you can help . Can we get another mortgage ?

Get expert opinion. This is the place for new questions to be posted.
3 posts Page 1 of 1
 
 

Georgina.70

User avatar
Posts: 1
Joined: Mon Jul 25, 2016 12:00 pm

Post by Georgina.70 » Mon Jul 25, 2016 12:00 pm
Hi all,I wonder if you can help .We sold our house in March 2015 and paid off our IVA but it then took them another six months to say it was now completed.so I take it as from this September we would officially been clear a year.my husband is 54 and in full time employment and I'm about to start a part time job ,we are in rented accommodation but would rather own our own home again ,can we get another mortgage ?and if so how much deposit are we looking at ? Thank you for any help/advice
 
 

kallis3

User avatar
Forum Expert
Posts: 77167
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Mon Jul 25, 2016 12:12 pm
Hi and welcome,

Have a word with either Ryan or Shaun (details under the ask experts a question on the left hand side of the page) and they will be able to advise you.
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
 
 

Lisa Thomas

User avatar
Industry Expert
Posts: 7759
Joined: Wed Dec 03, 2014 10:26 am

Post by Lisa Thomas » Mon Jul 25, 2016 1:28 pm
Hi you can beging to rebuild your credit rating after:

1. You have your CC
2. You have come off the regsiter (within 3 months of 1 above)
3. 6 years has passed since the start of your IVA.

You might find this quick video I made about cleaning up your credit record 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/

Speak to Ryan or Shaun about getting a mortgage.
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
3 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”