I just want to write a post to give hope to others in an IVA who want to get a mortgage once it's complete and worried it seems like it'll never happen! My IVA dropped off my credit file on Sunday 4th Feb 2017 and by the Wednesday (yes, only 3 days later!!) I had a mortgage in principle with a high street lender at their standard rate! In fact, a better rate than advertised on their website! I can't thank Mike and Ryan from Zebra Money Centre enough!
We had our official mortgage offer today following a satisfactory valuation Even with the endless pestering of questions, nothing has been too much and responses are pretty much immediate. I have a couple of friends using brokers (none of whom have had adverse credit history) and they both have had trouble with the contact between their broker and the speed things are taking. The very opposite - especially with Mike, who I've been dealing with in particular.
So for anyone in an IVA, there is light at the end of the tunnel!
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
That is interesting. We are looking to move house now that the IVA is about to drop off our reports (three months and counting) so it is great to know there are options out there!!
@Ryan - I have submitted a question on your website so any guidance would be appreciated!!
No - it will remain until you have totally completed but do speak to either Ryan or Shaun now.
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
You can get the date of the default changed if it is incorrect, otherwise you will need to wait for the 6th anniversary. I am afraid the IVA will sit there until such time as you get that certificate.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Keeping pushing them for the certificate ...I would be chasing weekly especially as you have Ryan all lined up to help once received - hold onto that dream ..it will happen
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Thank you for posting this. It gives me hope. My Iva is due to come off my file 30/06. I have already had my CC as I paid my IVA off early. Looking to sell my home and buy a larger one. I have emailed both Shaun and Ryan and I am waiting responses. Was it a straight forward process?
Hi there I’m looking into getting a mortgage after completing my IVA In July 2018.... just wanted to know what are the fees charged to us by the Iva mortgage broker?
