Mortgage after full and final

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Post by Chloexx123 » Tue Aug 07, 2018 8:51 pm
Hi everyone :)
I took out an IVA in March 2017. With the help of my parents I offered a full and final and it was accepted in Jan 2018 this year and certificate was sent 2 weeks later.
I am 26 & now have quite a lot of savings building up and in the next couple of years will be looking to get a joint mortgage with my partner. He has a great credit score & paid well.
Obviously I’d like to be on the mortgage but would this create issues?
My credit score seems to be improving but I know the IVA stays on file for a total of six year.
Has anyone in this position actually been able to get a mortgage with their partner? I’d like to know your experiences and any advice you have :)

Thank you in advance
And thank you again to all those that helped me during the IVA - you are superstars!!


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Post by luluj » Tue Aug 07, 2018 9:36 pm
Whilst on your record you will fibd it difficult to gain a mortgage and in attempting in doing so you cpuld impact your partners current good credit score as you would be financially linked.

The forum has two mortgage experts Ryan and or Shaun who would I am sure provide impartial advice.

Good luck
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Post by Ryan » Wed Aug 08, 2018 7:14 am
Hi Chloe,

We have certainly been able to obtain Mortgages for others in similar situations. You'd need a decent deposit but if you have access to that then there are Lenders who would consider lending.

Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

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Contact me at or via the expert page

Shaun Vickery

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Post by Shaun Vickery » Wed Aug 08, 2018 10:37 am
Hi Chloe. It's possible but, in the short-term you would certainly need a reasonable deposit and expect to pay higher rates than you could perhaps obtain from the High Street lenders. The bottom line is that the longer time that subsides the better it is likely to become.
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