Should I pay a mortgage broker for advice on mortgages post IVA?

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Post by Kate.k8 » Wed Mar 21, 2018 2:28 pm
Hi, our Iva comes off of our files I’m august this year. We would like to apply for a mortgage. I understand that using a broker to do the work for us is a good idea, but I’m worried about paying £1000 to a broker for them to come back with an offer from a lender at a rate that we couldn’t afford. We’d be £1000 down and with no mortgage


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Post by Ryan » Wed Mar 21, 2018 2:58 pm
Hi Kate,

Any Broker who is half decent should only charge you a fee once your Mortgage Completes. Best to avoid those who charge upfront.

Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed?

Contact me at or via the expert page


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Post by Foggy » Wed Mar 21, 2018 4:21 pm
As Ryan suggests avoid a broker who charges an upfront fee also not based on results. I would suggest a chat with Ryan and / or Shaun, who are both whole of market brokers with experience of applications from those with a "past".

Ryan's details are in his post above and Shaun's can be found here: 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
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Post by luluj » Wed Mar 21, 2018 5:37 pm
Speak to Ryan - he will advise, support and only charge if an when it completes. Highly recommended on the forum as is Shaun
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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