How long after IVA completion can I apply for a mortgage?

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lee754

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Post by lee754 » Mon Apr 06, 2020 1:04 pm
Hi all. After posting on here several times about this, that and the other, I can now pass on that my completion statement was ready for downloading bus the Aperture portal.
Last September, after paying my 72nd payment they kept wanting house valuations and I&E's done. I gave them everything they wanted and at the end of September 2019 I was told that it would take 4-6 weeks to go through my 12 payslips and P60's etc. At that point I just left them to it and out of the blue 3 weeks ago I had the email to say that all was completed and to wait for the certificate. I was so happy.
I'm not saying that waiting and leaving them to it will be the way for everyone but it's worked for me.
They've told me to wait for creditors to take my name of registers etc, but what sort of time am I looking at for applying for a decent remortgage from off the street lenders please guys, or am I dreaming?
Regards - from a happy Lee

Foggy

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Post by Foggy » Mon Apr 06, 2020 1:30 pm
It will take up to ( usually to the day) three months to come off the Register, then a couple of months for the CRAs to catch up and the reference files to clear.

Have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record
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

luluj

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Post by luluj » Tue Apr 07, 2020 12:14 am
I would start to talk to Ryan and or Shaun our mortgage broker experts here on the forum - they will be able to guide you fully.
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 » Tue Apr 07, 2020 1:47 pm
Hi Lee,
Well done getting through it, sure it was not easy.
I would be more than happy to help getting you in the best position to apply for a mortgage. I can help you clean credit files up and build your score.
Feel free to get in contact when you are ready
Ryan
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

lee754

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Post by lee754 » Tue Apr 07, 2020 2:02 pm
Hi Ryan. Thanks for being in touch and thanks for your kind words.
I feel was if I'm a bit in a void at the moment. Whilst on one hand the journey is kind of finished, it feels a bit of an anti climax at the moment as it'll take more time to see financial clarity.
It'd be great to see if I have any options please Ryan. How do I make contact in the first instance and I assume there's no obligation?
Regards - Lee

luluj

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Post by luluj » Tue Apr 07, 2020 8:06 pm
Lee ...message via the email in his profile

memberlist.php?mode=viewprofile&u=18488
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"
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