Mortgage after Iva

Jimi_78

Hi all,

After some advice....I had and iva and ccj in 2010, both off my credit file.
Will NatWest accept me for a mortgage?
My wife already has the mortgage with them in her name and we want to add me to it. We have 50% equity in the property at the moment.
Thanks in advance

ACG

There is not enough information for anyone to answer that.
If Natwest/RBS were part of the IVA then probably not.

kingstreet

When did the IVA end?

Adverse credit

We consult credit reference agencies to look at credit and bank account conduct.

We will not consider applications from individuals who have been subject to a bankruptcy order or an Individual Voluntary Arrangement in the last six years.

MortgageMamma

You could always remortgage away to a different lender and then go on the mortgage yourself. Its been a long time since your IVA/CCJ so I'm sure there will be a competitive lender willing to accept you.

Historic adverse credit can be a minefield when it comes to mortgages, so it would be worth your while taking professional advice and getting it right first time.