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Posted: Wed Mar 18, 2015 4:00 pm
by Lisa.87
My iva has been nearly paid off can I apply for a mortgage
Posted: Wed Mar 18, 2015 5:38 pm
by Foggy
Not with any prospect of getting one. Lenders will not consider you until the IVA is off your credit files, and even then your choice of lender will be limited. The longer you can leave it and the bigger deposit you can get the better.
Posted: Thu Mar 19, 2015 5:20 am
by luluj
When all sign of your iva has been removed from credit files including defaults you should approach a broker who has past experience of helping people with past debt issues. We have a couple of forum posters who are expert brokers (Ryan and Shaun) whose contact details are on the left under ask the experts a question section.
Posted: Thu Mar 19, 2015 8:25 am
by Shining
it really is best to wait until you receive your completion certifiate, your credit files are squeeky clean and you are post 6 years from date of acceptance which you should be if all the other is fine.