For that reason we went with a broker and paid their fee. It was a very thorough financial analysis of where we are and want we want to do. We have a High Street mortgage, previously the wrong side of Northern Rock, at a very good rate and getting it hasn't affected our credit rating or meant we had to trawl pages and pages of small print to see if the iva would be an issue.
I know some posters have previously said that they hadn't declared a past iva but I would worry about being done for fraud! I would definitely recommend Select with Shaun.
Reference in the replies above has also been made to honesty --- if you are asked "Are you in an IVA?" , you can truthfully reply "No" .... If asked "Have you evern been in an IVA?" , the truthfull reply would be "Yes" ..... now ... to some lenders this won't matter ( some will lend, some in 3 or 6 years, some never ... depending on there own criteria). However, a false reply could well see a sympathetic lender turn you down, or the house repossessed later, if it comes to light).
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