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Posted: Sat May 17, 2008 3:30 pm
by snowman365
Dear Forum
I am currently considering undergoing an IVA. However, I am also considering emmigrating, either to Canada or New Zealand.
Does anyone know whether an IVA would affect Immigration to these countries e.g. would I be able to get a Work Visa, and would I be able to get credit e.g. Mortgage in these countries?
Posted: Sat May 17, 2008 3:35 pm
by cfnc
not sure but an expert will be along soon, well after the football if their team wins!
Good luck.
Kirsty
Posted: Sat May 17, 2008 3:36 pm
by Wizzard
Welcome to the forum Snowman. I'm sure an expert will be along soon to answer your query
Posted: Sat May 17, 2008 4:02 pm
by chris.g
I've been looking int this a bit myself. Hubby's friend is in austrailia and there is plenty of work and has asked hubby if he would consider it. I would jump at the chance to move out there and because of hubby's age, he would have to apply for the full visa, not just working holiday one, it's a possibility. [8D]
On the Au Embassy site, there is no mention of br/iva's. HOWEVER.....they do state that the visa applicant and any other person to be placed on the visa MUST be of good sound character....that is qite open to interpretating I think....
Obviously, they don't want just anyone in their country but does facing upto your debts seen as being a good character trait or a bad one????
I'm going to email the embassy direct and ask them, if and when I get a reply I will post it on the forum,
xx
Posted: Sat May 17, 2008 4:12 pm
by snowman365
Thank you Chris.G for your reply!
Yes that would be great if you could post it on the forum - I am sure there must be few other people wandering the same thing...
Posted: Sat May 17, 2008 4:16 pm
by chris.g
There has been a few questions along the same vein lately. I'll email them now while I remember,
xx
Posted: Sun May 18, 2008 9:49 am
by Storm
Australia has no problem with IVA / Bankrupts - a credit check does not form part of the application process.
The good character relates to the police check they will do during the final stages of the process.
It is currently taking 6 - 12 months to process applications.
When in aus your UK credit file is not related. You will normally be able to apply for a mortgage in aus after 6 months - they will expect a 10-20% mortgage.
You will need to consider the cost of living out there if you are going to continue IVA payments......
a useful website is
http://britishexpats.com/forum/
Posted: Sun May 18, 2008 9:05 pm
by snowman365
Cheers Storm for your reply!
Do you know if this is a similar situation for Canada / NZ?
Posted: Sun May 18, 2008 11:06 pm
by MelanieGiles
I'm pretty sure it is the same snowman, but Storm is the expert in this field so wait for his reply.
Posted: Sun Jun 22, 2008 5:45 pm
by snowman365
Storm wrote:
Australia has no problem with IVA / Bankrupts - a credit check does not form part of the application process.
The good character relates to the police check they will do during the final stages of the process.
It is currently taking 6 - 12 months to process applications.
When in aus your UK credit file is not related. You will normally be able to apply for a mortgage in aus after 6 months - they will expect a 10-20% mortgage.
You will need to consider the cost of living out there if you are going to continue IVA payments......
a useful website is http://britishexpats.com/forum/
Hi Storm
Do you know if this is a similar situation for Canada?
Posted: Sun Jun 22, 2008 6:53 pm
by Storm
Same for Canada .... you start to build a credit file once you start to live in the country with no reference to your UK file.
It may take longer to secure a mortgage at the minute (the whole credit crunch thinggggggg).
Key things to do when you get there is get a bank account / checking (cheque) account so that they can see money in / money out. dr
Posted: Sun Jun 22, 2008 6:57 pm
by snowman365
Storm wrote:
Same for Canada .... you start to build a credit file once you start to live in the country with no reference to your UK file.
It may take longer to secure a mortgage at the minute (the whole credit crunch thinggggggg).
Key things to do when you get there is get a bank account / checking (cheque) account so that they can see money in / money out. dr
Hi Storm
Thanks for your reply - but my main question is can a person actually get into Canada with a record of BR back in the UK? Or is this not taken into consideration???
The reason I am asking is that my girlfirend is Canadian and we are currently looking into applying for a Sponsorship Visa which would involve her 'sponsoring' me to go out there and live and be able to work etc., but we are just really worried that BR may affect the Application???
Posted: Sun Jun 22, 2008 9:06 pm
by Storm
As far as I am aware bankrupcy / IVA it is not taken into consideration.
Posted: Sun Jun 22, 2008 9:18 pm
by snowman365
Storm wrote:
As far as I am aware bankrupcy / IVA it is not taken into consideration.
Hi Storm
Thanks for your reply again!!!
They are the magic words I wanted to hear!!! I have tried the Canadian High Commission but no response at all!!!
Have tried the Britsh Expat Forum which you mentioned also - it's a really good forum but could not quite get all the info. I needed!!!
Cheers!!! [:D]