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vikkib1212

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Post by vikkib1212 » Mon Jan 27, 2020 6:43 pm
Hi, wondered if anyone could give me advice my last IVA payment was last July my final completion date was 4th October. The IVA no longer appears on my credit reports. I want to get some advice on taking out a mortgage in the next six months. I’ve got. 20k deposit gifted to me by my Mum I potentially have the option to by my council property at a 50% plus discount rough max market value is 220k so roughly would need to borrow 90k other option is to find a property of my own but obviously would need to borrow a lot more if I went down that route. Would like some good advice on my chances of getting a mortgage or what else I should be doing to improve my chances. I’m 35 so don’t want to hang around forever but don’t want to rush and be refused. Any advice much appreciated

Foggy

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Post by Foggy » Mon Jan 27, 2020 7:51 pm
I would suggest a chat with a whole of market broker with experience in adverse credit. We have two such who advise forum members and have helped quite few between them: Ryan and Shaun. Their contact details can be gleaned from their profile pages here:

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
http://foggy.blogs.iva.co.uk

vikkib1212

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Joined: Tue Dec 05, 2017 10:02 pm

Post by vikkib1212 » Mon Jan 27, 2020 8:28 pm
Thanks Foggy I’ve dropped them some emails.

luluj

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Post by luluj » Tue Jan 28, 2020 8:42 am
Hope you receive the responses you want ... getting on the ladder after an iva is a really good achievement and both Ryan and Shaun have been able to help lots of forum members
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"

vikkib1212

Posts: 10
Joined: Tue Dec 05, 2017 10:02 pm

Post by vikkib1212 » Tue Jan 28, 2020 9:47 pm
Yes thank you I’m in touch with Ryan’s team so fingers crossed they can tell me what need to do get myself in the right position.
Thanks for everyone’s help so far

luluj

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Post by luluj » Wed Jan 29, 2020 2:30 am
Your welcome...am sure you it won't be long before you are celebrating !
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"

kallis3

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Post by kallis3 » Wed Jan 29, 2020 9:01 am
Let us know how you get on.
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
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