Ryans detaisl can be found here: memberlist.php?mode=viewprofile&u=18488
And Shaun's here: memberlist.php?mode=viewprofile&u=22837
Both have helped many ex IVA'ers here to get mortgages at decent rates.
I appreciate that. However, and this is the annoying part, I now have to find a non main-stream lender who will almost certainly not give me the good interest rates that the main-stream lenders offer people with 65% LTV mortgages. I feel like I'm being punished and seemingly always will be punished for something that happened out of my control, which has long since been sorted. So even 20 years from now, if I'm asked "Have you ever been in an IVA"? I will have to reply yes and will instantly have 3 or 4% added to the interest rates on any loan or mortgage.
Even convicted criminals are allowed to do their time and then move on. I don't see any "Have you ever been in prison"? questions, for example.
so very annoyed,
I really do appreciate you offering this, however, for now we have decided to put things on hold. This has come as a shock and me and my partner now need to consider all options. I didn't tell her about my IVA as it occured before I met her and once it was sorted presumed that would be the end of it. Obviously not. So after our meeting with the FA I had to "fess up". She's not happy at all
Once again thanks for your advice and indeed everyone else's advice.
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