I have recently been in an IVA and have just completed this with a full and final settlement and the credit agencies are in the process of updating my reports and creditors to make the amendments. Will I be eligible for a help to buy mortgage?
Pleasure Charlie. It's really just that, as a result of the fact that most lenders will not consider an application from you at this stage, your options (and what is available) will, at best, be limited. What is achievable will depend on when your IVA was registered and settled, as well various as other criteria such as your income. Ideally in this situation you should engage with a specialist broker who can look at your circumstances and determine whether a mortgage would be available to you immediately. Even if not, they will be able to guide you as to what you need to do (or how long you may need to wait).
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