My IVA is totally finished, I've had my CC for a year now, all credit my files are totally clean, its been a long old tough road but its been worth it!! this forum has been a massive help over the years!
Anyway I've been trying to get a remortgage on my house to get on a decent rate and that, however I've been told today I have no chance of getting a mortgage until for 3 years after the IVA(I am guessing thats 3 years from the CC) and most lenders wont touch me for 5 years!! oh and the interest rates are higher than the standard variable rate, also the I must have entered the IVA due to a life event!! Blimey! didn't expect this!
Different lenders have different criteria ( some more realistic than others!). A whole of market broker with experience of adverse credit applications, such as Ryan or Shaun, can help.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
