We've had the mortgage agreed in principle and yes I have answered honestly

Thank you!

I started my IVA early 2006 and completed early 2011.

Have to say it was the best thing I ever did.

Then in early 2012 I started checking everything bad had been removed from my credit files.

Thanks for the good luck - I need all the luck I can get

Hi I completed my iva in 2011, and we are currently in the process of purchasing a new home through the help to buy goverment scheme. We haven't told anyone that I was in an iva, but would this be picked up at any point ie. when the searches are carried out. We were cleared for the credit checks and...