Remortgage after IVA completion

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mumof3

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Joined: Thu Nov 30, 2017 2:35 pm

Post by mumof3 » Sat Aug 07, 2021 7:34 am
Hi guys!

We did an early settlement on our IVA but it will still be on our credit file for another 2 1/2 years.

We really want to try and remortgage to add on our ‘help to buy’ loan when we bought our house as we are just paying interest on it and it will never be paid off!

Has anyone managed to remortgage with an IVA on their credit file at a reasonable rate??

Thanks in advance

Foggy

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Forum Expert
Posts: 33098
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Sat Aug 07, 2021 8:53 am
It can, and, indeed, has been done. Obviously availability and rates improve as time passes and that IVA drops off the credit files.

I would suggest a word with a broker experienced in adverse credit, such as Ryan and / or Shaun, who both post here regularly. Their contact details can be gleaned from their 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

mumof3

Posts: 95
Joined: Thu Nov 30, 2017 2:35 pm

Post by mumof3 » Sat Aug 07, 2021 12:39 pm
Thank you! I will contact them and see what they can do for us.
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