Hi desperateneed
I have had a quick search of lenders criteria and you are quite right, it is very difficult do remortgage whilst in an IVA, with a 50% shared ownership with a housing association. Most of our lenders require the IVA to be satisfied for 12 months.
Very difficult but not impossible, the lender Chesire mortgages has a product that will fit your needs, unfortunately they are not on our lender panel, so I can not help – You need to speak to a mortgage broker that deals with Chesire mortgages. I am not sure if welshboy uses them, he may be able to help more.
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