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Mortgage after IVA
mickmustardly
Posts: 31 Forumite
in IVA & DRO
Hi,
I completed my IVA after 5 years in August 09... phew.
My next plan is to try and get a mortgage, prob not much chance til after the 6 years. I recently inherited some money from a close relative who passed away and will also be receiving a payment from work which gives me the opportunity to give a good deposit on a house.
Thing is i had applied for the free trial of my credit report through experien in August, i had moved house around 6 0r 7 times during my IVA (am only just renting rooms in shared houses), my debts were all linked to one address which I left 3 and a half years ago, so i never mentioned this address when applying for my report and just gave my parents address for that period of time, and when i received it there was no mention of the IVA, just showed any addresses which i gave and any that i have banks or credit related too.
When applying for a mortgage if i didnt mention the IVA or the address it was linked to would they know about it or do they carry out some sort of insolvency search against my name?
I know i should just wait til the 6 years are up but its been a long wait and some dodgy housing, so am pretty desperate to get moved in next 3 or 4 months.
Any coments welcome.
Thanks,
Mick
I completed my IVA after 5 years in August 09... phew.
My next plan is to try and get a mortgage, prob not much chance til after the 6 years. I recently inherited some money from a close relative who passed away and will also be receiving a payment from work which gives me the opportunity to give a good deposit on a house.
Thing is i had applied for the free trial of my credit report through experien in August, i had moved house around 6 0r 7 times during my IVA (am only just renting rooms in shared houses), my debts were all linked to one address which I left 3 and a half years ago, so i never mentioned this address when applying for my report and just gave my parents address for that period of time, and when i received it there was no mention of the IVA, just showed any addresses which i gave and any that i have banks or credit related too.
When applying for a mortgage if i didnt mention the IVA or the address it was linked to would they know about it or do they carry out some sort of insolvency search against my name?
I know i should just wait til the 6 years are up but its been a long wait and some dodgy housing, so am pretty desperate to get moved in next 3 or 4 months.
Any coments welcome.
Thanks,
Mick
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