Myself and my wife were in a joint IVA which was settled early in May of last year so we have our certificate of completion to show that it has been paid in full.
We are now in a position where we are trying to sort out our finances and the first thing we are looking at is our mortgage.
We are on a variable fixed rate mortgage with the Santander which is on a high rate so we are trying to find a better rate.
Santander have told us that they will not even discuss this with us because of the IVA even though we have never missed any payments in the 9 years we have had the mortgage.
I was therefore wondering if there are any lenders out there who might be able to offer us a better deal.
Does anybody know if there are any particular lenders who are more sympathetic to people in our situation.
Ive just completed my remortgage to First direct. My 6yr Iva ended March this year and Completion Certificate came May. First direct say as long as I haven't entered into an Iva in last 6 yrs its fine and didnt need to use a broker
Thats good news Andy.75. First Direct/HSBC appear to have changed their tact of late as they were well known for closing accounts down with little notice of people in ivas.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
I would certainly recommend speaking to either Ryan or Shaun - their reputation is excellent.
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 only access a lender like Accord if you are a Qualified intermediary so please bear that in mind.
You would be best to ensure the broker has experience in dealing with IVA's also
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre
IVA Mortgage advice needed? Looking at Right to Buy and completed IVA still on credit files ?
