I would strongly suggest you use the services of a broker experienced in adverse credit applications such as Ryan and / or Shaun, who both regularly post on here and have impressive track records. Their details can be found under the Quick links menu, above, then on "The Team" in the drop down -- they are in yellow, near the bottom of the page.
kelly314 wrote:Hi my husband and I have been out of our Iva now since April 2014 it is was completed early and dropped off our credit report Dec 2015. We have had no issues at all since and our credit score with Experian is 974/999 for me and 999/999 for my husband. We want to move and now have £100K equity in our house, we would like to apply for a mortgage but after reading various threads I’m worried our previous IVA will affect this ?? Please advise
You definitely have good options from a couple of High Street Lenders, but also some will not help you.
Your IVA registration date/history is satisfactory & you have access to normal rates with the right lender/approach.
Happy to help further
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