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Posted: Wed Nov 19, 2014 1:18 pm
by Lee.12
i completed my iva about 3 or 4 years ago, i want to buy my first property, shared ownership, will i be able to get a mortgage?
Posted: Wed Nov 19, 2014 1:35 pm
by Michael Peoples
If the IVA commenced more than six years ago your credit file should be fine but still use a broker who specialises in this type of work. When did your IVA start?
Posted: Wed Nov 19, 2014 2:01 pm
by Lee.12
it started in 2006
Posted: Wed Nov 19, 2014 2:09 pm
by Michael Peoples
Then it should be possible to get a mortgage with a high street lender. Try one of the brokers such as Shaun Vickery or Ryan who post here as they are specialists in this market.
Posted: Wed Nov 19, 2014 2:14 pm
by Foggy
As Michael suggests, have a word with Ryan and / or Shaun. You ca find there details by clicking on the "Ask a Question" link(top left) and scrolling down to the Experts Details section.
Posted: Wed Nov 19, 2014 2:22 pm
by Lee.12
i have been in touch with shaun, great help so far so fingers crossed, thankyou all
Posted: Wed Nov 19, 2014 2:27 pm
by Shaun Vickery
Lee, I gather you have now spoken to one of the Advisers in my team. I hope they'll be able to help.
Posted: Wed Nov 19, 2014 2:38 pm
by Lee.12
hi shaun
yes spoke to tim, hopefully going in the right direction now, thnaks for your help
lee
Posted: Wed Nov 19, 2014 2:43 pm
by Michael Peoples
Best of luck Lee with the application and let us know as and when you move into your new home.
Posted: Thu Nov 20, 2014 8:54 am
by bridgey
Santander do (or did) do shared ownership mortgages
Posted: Thu Nov 20, 2014 10:25 am
by Ryan
Hi Lee,
Santander will not do a mortgage for people who have had a IVA, so not an option i am afraid.
Sure you in good hands with Shaun.
Posted: Thu Nov 20, 2014 10:58 am
by Lee.12
hi
yes i looked into them and saw that, thankyou though