Mortgage advice

Get expert opinion. This is the place for new questions to be posted.
4 posts Page 1 of 1


User avatar
Posts: 18
Joined: Tue Oct 20, 2020 7:38 pm

Post by rachael558 » Sun May 23, 2021 8:39 pm
hi me and my husband have an iva but we are closing it through funds paid to date as my husband is ill can you tell me will we be able to get a mortgage after this ? we already have a mortgage but it runs out in 3 years its interst only mortgage want to change to repayment please advice asap please


User avatar
Posts: 122
Joined: Sat Oct 26, 2019 11:08 pm

Post by WallE » Sun May 23, 2021 10:54 pm
I'm so sorry to hear of your husband's ill helath. You'll find it difficult to obtain a mortgage with the IVA still on your credit files, and it'll be on there for A period of six years from the date of approval even if it completes earlier than expected.

I'm no expert on mortgage issues, but there are a few members on here that are, so I would await their response.
Hi! I used to work for one of the UK's biggest Insolvency Practitioners - I don't work for an IP anymore but still have an extensive knowledge of the IVA industry. How can I help?


User avatar
Forum Expert
Posts: 11333
Joined: Sun Dec 09, 2007 6:54 am
Location: United Kingdom

Post by luluj » Mon May 24, 2021 3:28 am
Expert mortgage advice is required

The forum has a couple of experts who have supported those in ivas through the process of getting mortgages.

Contact Ryan and or Shaun


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"


User avatar
Industry Expert
Posts: 1167
Joined: Thu Nov 03, 2011 10:03 pm
Location: United Kingdom

Post by Ryan » Mon May 24, 2021 6:02 am
Hi rachael558
There are lenders open to you, even with the IVA still showing on your credit report. You will need to seek the help of a mortgage broker who knows how to deal with people in your position.
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
4 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”