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Finally have mortgage
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Mattib0110
Posts: 34 Forumite
in IVA & DRO
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
Just shows how easy they can be after an iva
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Comments
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Well done. Yes it does become much easier after the bad details fall off after 6 years.0
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Congratulations!0
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Well done.
Good news for every one else hoping to get a mortgage after insolvency.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
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
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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 do0
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