We have finished our IVA last year and last months our credit reports have been updated, all bad debts has dropped off and me and my OH rating is now excellent. We own a flat and are thinking to sell and buy a bigger property.
My questions is because our credit reports has now been updated (6 years last month), do I need to tell the lender that we were on IVA before? Would they be able to check if we don't?
Thank you for all your input, much appreciated. I will contact Ryan soon. Do you have an email address Ryan?
How easy it is to get a bigger mortgage after IVA? We have a property to sell and there are some equity in the property for a deposit. Do you think we will be able to get into Help to buy scheme?
i feel really scared these days to do anything that involved getting our credit checked.
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