I was wondering if i could get some advice on getting a mortgage

[dave.28]

I was wondering if i could get some advice on my chance of being able to get a joint mortgage with my girlfriend or my options if you think this is unlikely.

Also any advice towards being able to help my chances of being able to get one.

My situation is : I divorced in 2008 and was left a lot of debt unfortunately in my name, that I had allowed through stupidity and blindness to be allowed to be run up.

I accepted my mistakes and sought advice to which I was advised to undertake a IVA which I did and it commenced – 3rd July 2008 .

My circumstances changed I started working abroad and I was in the fortunate position to be able to offer a full and final settlement which was accepted, and my IVA was completed and finished

On the 6th Sept 2010.

I have started to rebuild my credit history and have been accepted for a credit card and held that for a year, which I use during the month and pay of fully at the start of each month.

I have also managed to build up some significant saving which are held in a ISA and my bank and phone accounts have been ran faultlessly.

The debt issue is something I regret but it happened and I dealt with it the way I was advised, with hindsight I would have been able to have sorted without a iva due to working abroad but I didn’t have sight of the opportunity coming about prior to undertaking a iva.

I have lived with my girlfriend for 3 years in her owned property which she is hoping to sell so we can buy a property together however I am unsure as to what my options will be due to my past.

Any help and advise would be very much appreciated.

To sum up

IVA STARTED - 3RD JULY 2008
IVA COMPLETED - 6TH SEPTEMBER 2010 ( full and final settlement)

[Foggy]

Hello and welcome. We have a mortgage expert on forum, Ryan, who I am sure will be able to give you the asdvice you are seeking. He has placed an number of mortgages for ex-IVA'ers.

[Niobe]

Hi and welcome to the forum.

We do have a mortgage expert on the forum - his name is Ryan and you can find his details under the 'Ask a question' link on the left hand side of the page.

He has been able to help several posters on here.

[luluj]

Welcome......I can vouch for Ryan .....he is a source of great mortgage advice and has helped many posters including myself.

[Grumple]

We can vouch for Ryan and his team too, we had a set of very difficult circumstances but Ryan and his team still managed to help us get a mortgage.

[luluj]

It's great Grumple that across the forum there are lots of us that can happily say Ryan has done us proud !

[Shining]

I hope to be adding to his list of clients within the year...