Getting back on the house trail after an iva?

sourcrates

I think you may get more responses on the housing board, so i`ll move your post there.

sourcrates

davidsilva wrote: »

HI all,im really pleased to have completed my iva last month after 5 years of careful money management with great help from stepchange, to whom im forever grateful to, for making me see that there is light at the end of the dark tunnel.

i am 45yrs old and rent @ present , i owned a home once but sold for fear of going bankrupt and to pay off some of my debts before going on a dmp leading to an iva.

Having mentioned all this, i want now to save and get back on to the housing market , when the government just brought out the fist time buyer ISA and the lifetime ISA i thought fantastic i must be able to get on one or the other for a higher rate interest?

Having read the small print and listening to martin , i am gutted to find that the first time isa means first time and the life time isa is for under 40s, if im wrong please let me know?.

My question is that: Is there any decent alternatives out there for someone in my situation if im right about the above?.

many thanks for taking the time to read this.

New post can be found here :

https://forums.moneysavingexpert.com/discussion/5627646