Mortgage after iva

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Cookie

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Post by Cookie » Tue Apr 23, 2019 2:30 pm
Hi we have finished our IVA , received our certificate and finally been taken off the list 🙌 (9 years in total). We are wanting to either remortgage to do essential things in and around the house. Or if it is not much difference to look at selling and buying a new house. We have started building our credit record.
When we go to the meeting to ask about our options, will we be asked about the IVA and if not do we need to claim it ? Thanks in advance for any information

Foggy

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Post by Foggy » Tue Apr 23, 2019 3:08 pm
You are very likely to be asked about it and it is best to be honest ( they might already know the answer!).
I would suggest a chat with Ryan and / or Shaun, who are both whole of market brokers, from different firms, who have extensive knowledge of the adverse credit market and both have helped many forum members in the past.

Their details can be gleaned from the 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

Cookie

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Post by Cookie » Tue Apr 23, 2019 4:39 pm
Ok thanks for information. We have a appointment soon ,so if doesn't go well. Will be in touch with the two you advised.
Thanks

Foggy

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Post by Foggy » Tue Apr 23, 2019 5:31 pm
Cookie wrote:
Ok thanks for information. We have a appointment soon ,so if doesn't go well. Will be in touch with the two you advised.
Thanks
I don't know who your appointment is with but do tread carefully. We have had a few instances where a broker, with less knowledge than they actually had, told the client all was well with an offer agreed in principle, only to have it turned down in the final stages.
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 23, 2019 8:32 pm
I personally would suggest cancelling your appointment and talking to Ryan and/or Shaun ..they are experts and have helped 100s of forum members over the years
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"

Shaun Vickery

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Post by Shaun Vickery » Wed Apr 24, 2019 7:33 am
Not knowing who your appointment is with it's difficult to comment but I'd certainly make sure that they have expertise in this area to avoid them burning any bridges through lack of knowledge. Unfortunately this does happen. If it's with a specific lender I'd be even more wary. If you are committed to going I'd find out what you can and then perhaps seek some other guidance before you proceed.....and certainly before you make any sort of commitment to any formal application.
Highly Commended at the British Mortgage Awards. For individual mortgage advice go to http://clients.theselectpartnership.co.uk/

Morbolle

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Post by Morbolle » Sun Jun 16, 2019 3:03 pm
Tue Apr 23, 2019 8:32 pmluluj wrote:
I personally would suggest cancelling your appointment and talking to Ryan and/or Shaun ..they are experts and have helped 100s of forum members over the years
Agree with you suggestion, it will be much better

luluj

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Post by luluj » Sun Jun 16, 2019 3:26 pm
Wonder how the OP has got on ?
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"

justindrew

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Joined: Thu Oct 10, 2019 8:42 am

Post by justindrew » Mon Oct 21, 2019 11:39 am
There are experts who give advice and help you deal with your debts and get the support you need. You can get advice online or can call them to clear the debts. They will recommend a range of practical debt solutions based on your situation.
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