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  • FIRST POST
    • Mar1980
    • By Mar1980 14th Sep 17, 5:05 PM
    • 9Posts
    • 0Thanks
    Mar1980
    Mortgage/IVA
    • #1
    • 14th Sep 17, 5:05 PM
    Mortgage/IVA 14th Sep 17 at 5:05 PM
    Has anybody had any experience in getting a mortgage after being in an IVA?

    My IVA was 8 years ago so has long dropped off my credit report, however my mortgage broker is pushing Halifax as a lender who were one of my creditors on my IVA (credit card debt)! Will they still hold records of me?
Page 1
    • ACG
    • By ACG 14th Sep 17, 5:09 PM
    • 15,751 Posts
    • 8,046 Thanks
    ACG
    • #2
    • 14th Sep 17, 5:09 PM
    • #2
    • 14th Sep 17, 5:09 PM
    They may do.
    You should be fine, we have one going through at the minute where the lady has been discharged for 3 years. They have been accepted subject to valuation now.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
    • Mar1980
    • By Mar1980 14th Sep 17, 5:46 PM
    • 9 Posts
    • 0 Thanks
    Mar1980
    • #3
    • 14th Sep 17, 5:46 PM
    • #3
    • 14th Sep 17, 5:46 PM
    Any ideas if I can find out if they still have a doctors of me? Or should I tell my broker to avoid them?
    • ACG
    • By ACG 14th Sep 17, 6:16 PM
    • 15,751 Posts
    • 8,046 Thanks
    ACG
    • #4
    • 14th Sep 17, 6:16 PM
    • #4
    • 14th Sep 17, 6:16 PM
    If your broker knows about the IVA, my first question to the account manager would be do you hold a grudge if the client owed you money.

    Presumably your broker has done that, the last thing they would want to do would be to make an application and it get declined - that is just a waste of everyones time.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
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