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by Shaun Vickery
Thu May 16, 2019 8:52 am
Forum: Ask IVA Forum and Industry experts
Topic: Iva help
Replies: 14
Views: 974

I think the priority at this stage is to let us have a copy of the valuation you have had done. Presumably this takes into account the remaining lease on the property. Any solution will have to be affordable based on an income and expenditure assessment but is likely to be considerably less than you...
by Shaun Vickery
Mon May 13, 2019 12:41 pm
Forum: Ask IVA Forum and Industry experts
Topic: Iva help
Replies: 14
Views: 974

Hi Jofoste. Just to re-iterate, any physical valuations you have had arranged will certainly be taken into account and I can see that we have already asked you to let us have a copy of this. A second charge mortgage will only be recommended if a) it is in your better interests compared to a re-mortg...
by Shaun Vickery
Thu Apr 25, 2019 10:48 am
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage help
Replies: 19
Views: 1374

That’s fabulous, thank you.
by Shaun Vickery
Wed Apr 24, 2019 8:17 am
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage help
Replies: 19
Views: 1374

Hi Becky, ah yes, that's us! Ok that's great, just hadn't seen it....hope we can help :)
by Shaun Vickery
Wed Apr 24, 2019 7:56 am
Forum: Ask IVA Forum and Industry experts
Topic: Should I apply for credit to boost credit score?
Replies: 7
Views: 1339

I definitely believe that obtaining a credit card, using it for everyday purchases, but making sure you clear the balance every month is a positive. In terms of Foggy's comments as to whether it alerts other lenders to any previous problems, in a world of lending decisions being primarily taken by a...
by Shaun Vickery
Wed Apr 24, 2019 7:51 am
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage help
Replies: 19
Views: 1374

abbiesmum, more than happy to help with this as part of our on-going service.
by Shaun Vickery
Wed Apr 24, 2019 7:49 am
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage help
Replies: 19
Views: 1374

Hi Becky. I don't seem to have received your email. Do you want to try again? shaun.vickery@theselectpartnership.co.uk
by Shaun Vickery
Wed Apr 24, 2019 7:33 am
Forum: mortgages
Topic: Mortgage after iva
Replies: 5
Views: 1355

Not knowing who your appointment is with it's difficult to comment but I'd certainly make sure that they have expertise in this area to avoid them burning any bridges through lack of knowledge. Unfortunately this does happen. If it's with a specific lender I'd be even more wary. If you are committed...
by Shaun Vickery
Wed Apr 10, 2019 7:16 am
Forum: Ask IVA Forum and Industry experts
Topic: Remortgage
Replies: 5
Views: 1255

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 h...
by Shaun Vickery
Fri Apr 05, 2019 7:44 am
Forum: mortgages
Topic: Releasing equity
Replies: 3
Views: 1970

Hi Julie. Yes, it's possible, depending on your own circumstances. You wouldn't necessarily need to repay the full debt as long as the offer is sufficient to tempt your creditors into accepting it. The remaining contributions plus an additional amount for the equity release clause is generally a goo...
by Shaun Vickery
Thu Apr 04, 2019 9:03 am
Forum: Ask IVA Forum and Industry experts
Topic: <t>Issue with property sale.</t>
Replies: 8
Views: 1416

It does sound like removal of the standard restriction placed on your property has just been overlooked. Hopefully it will be straightforward to remove - possibly worth asking your solicitor to deal with along with the conveyance?
by Shaun Vickery
Thu Apr 04, 2019 8:59 am
Forum: Ask IVA Forum and Industry experts
Topic: Iva possible being a homeowner
Replies: 6
Views: 1271

It's definitely an option. Whether it's the best option will depend on other things but one of the experts here will be able to give you some specific advice if you contact them. The most important thing is taking control so you have already taken the first step. Good luck with it.
by Shaun Vickery
Thu Apr 04, 2019 8:56 am
Forum: Ask IVA Forum and Industry experts
Topic: Amigo loan
Replies: 3
Views: 1303

I agree, better to seek advice now rather than putting it off....even if just to clarify what your options are. Why not speak to one of the experts like Lisa who contribute here (click on the IVA experts link on the left hand toolbar).
by Shaun Vickery
Mon Mar 25, 2019 4:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: lifetime mortgage
Replies: 4
Views: 1367

Lifetime Mortgages are not my area of expertise I'm afraid but I'd be surprised if this caused too much of an issue, purely in terms of the nature of the arrangement. After all, if you aren't required to make any repayments, the assessment of your credit worthiness is a little irrelevant.
by Shaun Vickery
Mon Mar 25, 2019 4:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Aperture .....
Replies: 2
Views: 1313

Technically speaking the obligation to attempt to release equity is yours rather than your IP prompting but of course I entirely appreciate that all of this will be new ground to you. In terms of the amount you would be required to release, this is strictly governed by 'protocol' rules and ensures t...
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