As Kallis says, have a word with Ryan and Shaun re mortgages -- it is way too early to get one, but they can adivise on how best to prepare. There are, possibly, some lenders who would lend three years after the end of the IVA .... but this is, in most cases, well after the 6th anniversary anyway. If any would lend with the IVA still on the credit files the rates would be eye watering ! Better to work at saving the best deposit and waiting out the 6 years.
On credit clear up: Have a look here: https://www.iva.co.uk/what-does-an-iva- ... dit-record and also have a peek at the last couple of entries on my blog --- link in my signature block below.
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