Post-IVA Mortgage

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BlueShoes

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Post by BlueShoes » Fri Jun 21, 2013 8:10 pm
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We are about to complete our IVA (started August 2007)[:D]

We have just spoken to a mortgage broker who says lenders wont touch us for 6 years post IVA, not interested in what we earn, ability to pay, any deposit we may have etc... we are devastated- has anyone else had any success with a post-IVA application?

Our current mortgage lender is unaware of the IVA (never been asked, so never shared info) One suggestion I have had is to approach them as we have had no defaults on our mortgage-but will them knowing put us at risk of them withdrawing the mortgage we currently have? Any advice gratefully received....

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Shining

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Post by Shining » Fri Jun 21, 2013 8:18 pm
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hi well done on almost completing!

Why not have a word with Ryan or Shaun or both they are both posters on the forum and have helped other forum members. Their details can be found in the ask an expert link.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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ginger323232

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Post by ginger323232 » Fri Jun 21, 2013 8:19 pm
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You present mortgage would have been informed about your IVA as standard - it may be worth speaking to the two brokers on here, Lender criteria is continually changing but at least you will have information from brokers used to dealing with people out of IVA
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BlueShoes

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Post by BlueShoes » Fri Jun 21, 2013 8:24 pm
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Thank you

Will follow up your advice.

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luluj

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Post by luluj » Fri Jun 21, 2013 8:26 pm
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definitely encourage you to speak to Ryan for more support - as a broker they have access to a range of products for different circumstances...give him a call on Monday.
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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BlueShoes

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Post by BlueShoes » Fri Jun 21, 2013 8:35 pm
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Thank you Luluj

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