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.
The IVA will remain on your credit files for 6 years from the start, as will any defaults. Some mortgage lenders will look at you three years after completion, but your credit score will remain low. You will get better rates after the credit files have cleared.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Visit my blog here : http://foggy.blogs.iva.co.uk/
On the mortgage front there are some specialist Lenders who may look to lend to you now if you have access to a large deposit but you would be looking at higher than 'normal' High Street interest rates. As Foggy has said it may be possible 3 years after the Completion Certificate was issued to obtain a 'normal' mortgage and certainly 6 years after the IVA began that would be possible.
IVA Mortgage Expert
Zebra Money Centre