You could speak to Ryan and or Shaun our forum mortgage experts who may be able to offer more advice
A loan might prove difficult now that you have sold the property as you have nothing to secure the loan against and a new mortgage could prove difficult until the IVA has cleared from your records, assumimg you have the IVA and not just your husband ( 6 years from the start).
Has the property sale actually completed? If not, you might want to reconsider and try to get a full and final variation order approved by creditors first.
You will almost definitely not be able to get a loan unless and until your IVA is finished, you have your CC, you have come off the register and 6 years has passed since the start of your IVA.
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