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    • Mar1980
    • By Mar1980 14th Sep 17, 5:04 PM
    • 9Posts
    • 0Thanks
    • #1
    • 14th Sep 17, 5:04 PM
    IVA/mortgage 14th Sep 17 at 5:04 PM
    Has anybody had any experience in getting a mortgage after being in an IVA?

    My IVA was 8 years ago so has long dropped off my credit report, however my mortgage broker is pushing Halifax as a lender who were one of my creditors on my IVA (credit card debt)! Will they still hold records of me?
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    • sourcrates
    • By sourcrates 15th Sep 17, 12:53 PM
    • 14,621 Posts
    • 13,749 Thanks
    • #2
    • 15th Sep 17, 12:53 PM
    • #2
    • 15th Sep 17, 12:53 PM

    Most creditors keep internal records for up to six years, some longer, the Halifax keeps records for seven years, so may be borderline.

    You wont know until you try, however, they mostly make decisions based on your current and recent financial behavior, and affordability, so anything that far in the past will have a negligible effect on you.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to Any views are mine and not the official line of

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see :
    • memberme
    • By memberme 15th Sep 17, 2:30 PM
    • 202 Posts
    • 51 Thanks
    • #3
    • 15th Sep 17, 2:30 PM
    • #3
    • 15th Sep 17, 2:30 PM
    had no problem getting a near normal mortgage through a broker only a year after IVA finished and a 90% one, with Barclays Woolwhich.

    and yes, Barclays was one of my biggest debts in the IVA

    Good luck
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