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Mortgage after Iva
Jimi_78
Posts: 1 Newbie
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
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
0
Comments
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There is not enough information for anyone to answer that.
If Natwest/RBS were part of the IVA then probably not.I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
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.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
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.I am a Mortgage Adviser
You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
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