When you say "completed", do you mean final payment made or have you had the completion certificate and final accounts from your IP ? The IVA will formally complete when that is issued. Then it will stay on the Insolvency Register for up to three months from that date. It will also remain on your credit reference agemncy files for 6 years from the start date ( have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record )
You could enrol with ClearScore and see what offers they have available to you, based on your credit files --- this also gives an idea of the chances of acceptance while not leaving hard searches on that new, sparkling, credit file.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk
I would look into leasing a car personally but wait until you have your certificate of completion. This way you will have the option to pay monthly, knowing you have reliable car, that is affordable but allows you to change cars every 3 or 4 years.
Great you are able to save £400/month for a house fund ... when you need mortgage advice use a whole of the market broker who has helped ex iva'ers get on the property ladder.
The forum has two experts on this that come recommended, and I can personally vouch for the work of Ryan at Zebra.
Their contact details can be gleaned from their profile pages at:
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !