Finally have mortgage 8 February 2017 at 5:40PM in IVA & DRO 5 replies 2.1K views

Mattib0110

Started and iva November 2010 which I payed off in 2013, dropped of my report in November last year along with all my defaults have today received my mortgage offer from Halifax with no issues at all
Just shows how easy they can be after an iva

Johnsmith2016

Well done. Yes it does become much easier after the bad details fall off after 6 years.

debtdebt

Congratulations!

sourcrates

Well done.

Good news for every one else hoping to get a mortgage after insolvency.

Suits2017

Well done - Can I ask did you go for help 2 buy or was it a standard mortgage? if so how much deposit etc? Also, did you disclose the IVA? I'm in a similar situation as I'm 3 years post trust deed and have everything going for me except the trust deed (WHICH IS A BIG THING). Have deposit, great salary, clean credit file, 0% credit utilisation, but the criteria I've been reading just scares me. Petrified to apply

Mattib0110

Was a standard mortgage, 60ltv and I did declare past iva.
Have no credit what so ever which help plus only borrowed half the amount we could do