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Best lender for me or wont I get a mortgage?

danielanthony · 2009-05-20 09:33:04

Hi, We are FTB's with a joint basic income of £60k looking to buy a £190k house with a £20k deposit + fee's. I had an IVA in May 2003 and so at the end of this month all record of my IVA and associated defaults will be removed, I have spoken to the CRA's to make sure this happens. Also, my car finance, credit card and…

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danielanthony Posts: 517 Forumite

20 May 2009 at 1:07PM

I also have no intention of lying on any application I make, so if asked if I have EVER been in an IVA I will say yes. But is this a question asked by all or most lenders in the current climate? Any lenders that dont ask this question, which would suggest that they aren't bothered by an IVA six years old?

Also, is my credit card balance a major show stopper?

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Best lender for me or wont I get a mortgage?

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