How likely am I to get a mortgage when IVA comes of file

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Post by sam735 » Wed Jul 28, 2021 3:06 pm
how likely am I to get a mortgage when my IVA comes off my file in November 2023 - and be able to have a low deposit


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Post by Foggy » Wed Jul 28, 2021 4:01 pm
It is certainly possible and more so if you consult a specialist broker with experience of working for those with an IVA in their past. Obviously, the longer you can wait and the higher the deposit the better the chances and the interest rate.

I would suggest a chat with Ryan or Shaun, whose contact details can be gleaned from their profile pages:

Ryan : memberlist.php?mode=viewprofile&u=18488

Shaun : memberlist.php?mode=viewprofile&u=22837
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014


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Post by luluj » Thu Jul 29, 2021 3:42 pm
Definitely worth exploring now so you are aware of what level of deposit you are likely to need.

We have used Ryan in the past and he comes highly recommended.
Sharing from experiences of dealing with debt

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

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Post by Ryan » Fri Jul 30, 2021 10:32 am
Hey sam735,
Keeep going, you will get through this and there is light at the end of the tunnel.
I cannot predict the future, but if your IVA came off your file today, and the credit file is all clean since the IVA i belive i could get you a mortgage with only a 5% deposit.
Hope that helps?
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed? Looking at Right to Buy and completed IVA still on credit files ?

Contact me at or via the expert page
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