Hi Barassic. It is probably a little too early to make a formal application and you are likely to qualify for far better rates by waiting until the 6th anniversary. That said it does depend on exactly what you are hoping to do and it is an ideal time to be making preparations. We would normally be helping clients do this by checking credit files are correct, ensuring they are registered on the voter's roll, checking conduct of bank accounts and looking at potential solutions ready for the big day. There will still be a huge difference in the treatment by some lenders and rate choice.
I have to agree with Shaun. We certainly have access to High Street Lenders who will look to lend normally at the 6th Anniversary of the start date. Prior to the 6th Anniversary we'd be looking at specialist Lenders so worth holding on if you can.
IVA Mortgage Expert
Zebra Money Centre