Good mortgage lender?

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MizzMoney

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Post by MizzMoney » Thu May 14, 2020 8:26 am
Hi
I’m new here, I’ve completed my IVA a few months ago and still waiting on a completion certificate.
I’m looking to buy a property and have half the amount for a deposit. Can anyone suggest any good mortgage lenders that will offer to take me on? I am in full time employment in NHS and also have a guarantor. Thanks

kallis3

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Post by kallis3 » Thu May 14, 2020 8:30 am
Well done on completing. Have a word with either Shaun or Ryan who are our resident experts on here for some advice. Details can be found via the IVA experts page.
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

MizzMoney

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Post by MizzMoney » Thu May 14, 2020 8:34 am
Thanks. It was a long 5 yrs then they made a mistake and was delayed another year, just waiting on certificate now 🤩

Shaun Vickery

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Post by Shaun Vickery » Thu May 14, 2020 10:06 am
Hi MizzMoney. Firstly congratulations on completing your IVA, nearing the end of a long road no doubt :D The fact that you have had an IVA will certainly be a limiting factor but it is really only one aspect of any mortgage application and lenders take many other things into consideration....so it's impossible to say without looking at the rest of your circumstances (and indeed, assuming that a product is available, whether it is the most competitive one). It may also be necessary to do a little cleaning up of your credit file - making sure that no defaults etc. relating to the IVA post-date the IVA, that you are registered on the voters' roll etc. All of these things really need to be checked BEFORE making an application as any rejections may limit further your chances of success. The fact that you have a sizeable deposit will be a big help but it won't clinch it by itself and you may need the help of a specialist adviser.
Specialist Mortgage Advisers. Highly Commended at the British Mortgage Awards.

For individual, confidential mortgage advice see my details under the IVA Experts or go to http://clients.theselectpartnership.co.uk/

MizzMoney

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Joined: Thu May 14, 2020 8:21 am

Post by MizzMoney » Thu May 14, 2020 10:55 am
Hi Shaun

Thanks It was a tough 5 yrs and the payment was achievable which helped. Can you suggest a specialist advisor and I’m already on the voters register at my current address. There are no defaults on my IVA as it should be all cleared now.
I have been offered a credit card to build up my credit rating which I’m managing and I’ve set up different accounts to manage my money better. Can you suggest a specialist advisor as I’d like to get the ball rolling. :lol:

Foggy

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Post by Foggy » Thu May 14, 2020 11:39 am
MizzMoney, Shaun is a specialist in this area and it would be worthwhile contacting him direct using the details under his post.

Zebra Money also have a good track record with these applications and can be contacted through Ryan, whose details can be found here: memberlist.php?mode=viewprofile&u=18488
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

kallis3

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Post by kallis3 » Thu May 14, 2020 3:26 pm
He has helped many a forum member so do give him a call/email.
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

luluj

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Post by luluj » Fri May 15, 2020 5:12 am
Use the services of our mortgage brokers on here ...they both come highly recommended. Personal experience if using Ryan and his team at Zebra now for over 10 years.
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"

Ryan

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Post by Ryan » Fri May 15, 2020 3:23 pm
Hi MizzMoney
Well done getting through it, and glad to hear you are getting back on track.
More than happy to help if you want to get in contact and talk things through
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed?

Contact me at http://www.ivamortgageexpert.co.uk or via the expert page

Ryan

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Post by Ryan » Fri May 15, 2020 3:24 pm
Thanks to all the rest of guys for the recommendation, and i really hope you are all safe, well and healthy in the current climate!
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed?

Contact me at http://www.ivamortgageexpert.co.uk or via the expert page
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