You may be ok but have a word with either Ryan or Shaun who are our resident mortgage brokers on here.
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.
Bob Marley. http://kallis3.blogs.iva.co.uk
Fri Aug 30, 2019 8:21 amTheTruth wrote:
i was the same
just got a mortgage under normal rules with a high st bank no probs
after 6 years there is no record anywhere of your iva
You were lucky to walk into the right branch! We hear of more refusals this way than success stories. And, of course, if you pick the wrong branches a few times, the refusals will re-stain that shiny credit record again!
We have also had a few instances where people have been offered a "Yes" in principle, gone on to find the house they want and then been refused on full application !
Yes, the High Street rates are out there ... but you do need to know where to find them ( or know someone who does) or as "The Truth" did, you may just 'get lucky'.
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
Some Lenders will never lend following a previous IVA but there are quite a few High Street Lenders that we deal with who will be happy to lend some of which offer better interest rates when an application is made via ourselves rather than directly with the Lender.
IVA Mortgage Expert
Zebra Money Centre