I'm planning to open the help to buy ISA before times runs out next year. My question is, which lenders are more likely to approve a mortgage as I'd rather open the ISA with one of those rather than a lender I have no chance with.
By the time I complete and my credit history is clear our joint income would be between 55-60k per year. The deposit will hopefully be 24k plus the 6k available from the scheme would take it to 30k and I'd be looking at a purchase price of 180k if that helps. Getting into this mess and the IVA has made me determined to plan for retirement and not be paying rent in my old age. Thanks.
Have a chat to Ryan and / or Shaun --- details can be found here -- they are in yellow, towards the bottom of the list : memberlist.php?mode=team
Both are whole of market brokers with experience in adverse credit.
I just don't see the point in saving with someone who will say no when I could save with someone with a track record of approving post IVA mortgages.
luluj wrote:Great to have a goal to strive towards - the iva will soon be yesterdays news; in between all you can do is save what you can from allowances any wage increases that you see - don't forget any changes of income needs to be declared to IP at the annual review - if not monthly depending on your agreement.
I'm trying to focus on getting out of this situation and making sure I'm not in it again. Thanks for replying.
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