When your IVA drops off and those defaults, your credit history will be effectively blank and most lenders will have a guess at why, So, you need to do two things: 1) build up a history and 2) approach the right lenders.
Might I suggest a chat with Ryan and / or Shaun. They are two whole of market brokers who post on here and have helped many ex-IVA'ers get mortgages at "High Street Rates".
Their details can be gleaned from their member profiles:
Also have a read here for credit clean up info: https://www.iva.co.uk/what-does-an-iva- ... dit-record
Just to add a point. I have almost all of the amount available, the old me from 10 years ago would have booked a luxury all inclusive holiday with that credit, the me of today saves up for a budget trip with Ryanair with my own money..
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