Looking for advice about moving as we have completed our IVA

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Victoria.w
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by Victoria.w » Fri Nov 10, 2017 7:04 pm
Hi, my husband and I have completed our iva and would like to move in the next 18mths. we need some advice regarding mortgages etc. we are still paying a charge on the house, current balance is around £3k paying £75pm and have never missed a payment. our bank said that they would possibly do a mortgage of around £180k although they said we would need to pay off the charge. is this the same for all mortgage lenders? what are the costs approx. of moving/deposits these days etc?? we have only ever been first time buyers (15yrs ago). can we get a normal mortgage? how much do people charge to sort out mortgages? any help will be gratefully received!!
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Foggy
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by Foggy » Fri Nov 10, 2017 7:30 pm
Victoria.w wrote:
Hi, my husband and I have completed our iva and would like to move in the next 18mths. we need some advice regarding mortgages etc. we are still paying a charge on the house, current balance is around £3k paying £75pm and have never missed a payment. our bank said that they would possibly do a mortgage of around £180k although they said we would need to pay off the charge. is this the same for all mortgage lenders? what are the costs approx. of moving/deposits these days etc?? we have only ever been first time buyers (15yrs ago). can we get a normal mortgage? how much do people charge to sort out mortgages? any help will be gratefully received!!



With an IVA in your history I would suggest a chat with either Ryan or Shaun, who are both whole of market brokers with experience in adverse credit applications. heir contact details can be found here:

memberlist.php?mode=team

They are down in the yellow section.
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kallis3
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by kallis3 » Fri Nov 10, 2017 9:56 pm
Agree with Foggy - give our experts a chat.
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luluj
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by luluj » Sat Nov 11, 2017 3:19 am
I am confident our experts will be able to support you ...good luck
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Ryan
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by Ryan » Mon Nov 13, 2017 8:37 am
Hi Victoria,

We'd be happy to take a look at your situation if you were to contact us.

Regards
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Lisa Thomas
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by Lisa Thomas » Mon Nov 13, 2017 12:31 pm
You might need to tidy up your credit records.

You might find this quick video I made about cleaning up your credit record useful:

https://youtu.be/PV4RzUY4BRM
Noddle and Clearscore are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
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