How to get an AIP with adverse credit history

Entered into an IVA which was settled 2 years ago this month. I'm in a position to buy my first home, got the deposit and on a half decent wage (£60k)... Tried getting an AIP with Halifax online, but just got this:

You're applying for an Agreement in Principle

We can't give you an Agreement in Principle this time


What can I do? :(

Comments

  • ACG
    ACG Posts: 24,422 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Speak to a broker.

    At 2 years discharged your options will be limited as most lenders need 3 years. But there are potentially options out there. 
    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.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350K Banking & Borrowing
  • 252.7K Reduce Debt & Boost Income
  • 453.1K Spending & Discounts
  • 243K Work, Benefits & Business
  • 619.9K Mortgages, Homes & Bills
  • 176.5K Life & Family
  • 255.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 15.1K Coronavirus Support Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.