Trying to remortgage after IVA completion

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Post by Joephina » Mon Feb 11, 2019 1:25 pm
Key Facts:
IVA started April 2012
No missed payments
Full and final payment made July 2018
Completion/Closure Certificate received 07/02/19
Credit file still shows IVA (How long will it take to clear them)
All other markers on all files green (Experian, Equifax, Callcredit)
No creditors details remain on files

Currently have ex Northern Rock Mortgage (whistletree), no missed payments. More than 50% equity.

Want to re-mortgage at current mortgage at decent rate + release equity. together would = 67% LTV

Who are the best lenders to go to? :D :D :D :D :D :D :D


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Post by Foggy » Mon Feb 11, 2019 2:31 pm
I would suggest a chat with Ryan and / or Shaun --- two whole of market brokers with experience in adverse credit.

Their details can be found 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


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Post by Ryan » Tue Feb 12, 2019 8:13 am
We certainly have access to High Street Lenders who would be willing to lend now at 'normal' interest rates subject to affordability.

Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed?

Contact me at or via the expert page
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