Can I get a mortgage now my IVA is over?

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Post by Clarissa » Thu Oct 10, 2019 2:38 pm
I took out an IVA in June 2010. It was completed in February 2016. Since July 2016 my credit reports have been clear and now all my credit scores are in the good to excellent range. I have saved enough of a deposit to look into buying a house through the shared ownership scheme and I will be a first time buyer.
Will I be able to get a mortgage and where is the best place for me to look for one? I know the shared ownership also makes it more complicated. But the past IVA will be my biggest hurdle.
Nearly there :-)


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Post by kallis3 » Thu Oct 10, 2019 2:49 pm
Have a word with either Shaun or Ryan who are our resident mortgage experts. Details can b found under the IVA experts link on the left hand side of the page.
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.
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Post by Foggy » Thu Oct 10, 2019 3:08 pm
I would suggest a chat with Ryan and / or Shaun, who are both whole of market brokers with experience in this particular field. Their details can be gleaned from their profile pages here:

Ryan : memberlist.php?mode=viewprofile&u=18488
Shaun: memberlist.php?mode=viewprofile&u=22837
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014


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Post by Ryan » Thu Oct 10, 2019 9:01 pm
Well done to you for getting through the IVA and back on track.
We have helped numerous IVA members obtain mortgages, so more than happy to help you look in to this, if you would like to discuss in more detail my contact details are below:)
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed?

Contact me at or via the expert page

Shaun Vickery

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Post by Shaun Vickery » Fri Oct 11, 2019 12:07 pm
Hi Clarissa, it's certainly possible, depending of course of your other circumstances. Although your options will still be limited to an extent (which is why I would avoid making random applications to lenders), there should be some good options available to you. Speak to a couple of Specialist Advisers with experience in this field and see what they can do for you.
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For individual, confidential mortgage advice see my details under the IVA Experts or go to
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