www.iva.co.uk

Hello, my IVA completed just over a year ago now but my bank won't give me a mortgage on a property that myself and my mother own outright as they said it needs to be clear for 3 years. Is this the case across the board or do I have other options out there? Thanks in advance

We have two mortgage brokers as experts called Ryan and Shaun. Their details can be found on the members list.

Ryan - http://www.iva.co.uk/forum/memberlist.p ... le&u=18488

Shaun -http://www.iva.co.uk/forum/memberlist.p ... le&u=22837

I can personally vouch for Ryan who has helped in excess of a 100 forum members gain mortgages when they thought it may have been impossible.

Again, good advice from Luluj -- Ryan and Shaun have helped many ex IVA'ers get decent mortgage products. All lenders have theri own criteria regarding lending: some will never lend to you, others will lend right away. Ryan and Shaun will be able to match you to the best lender for your own set of circumstances.

A lot depends on when the IVA started rather than when it completed. It is worth giving Shaun Vickery from Select a call or Ryan and you should be able to get something resolved.

It's usually 6 years from the start of your IVA.

You might find this quick video I made about cleaning up your credit record useful:

https://www.youtube.com/watch?v=PV4RzUY4BRM

Noddle and Clearscore are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/