Cheers Andy. I was gutted when I was originally tol I'd have to wait another 2.5 years. I might also speak to nationwide

That's brill Andy. I'm actually just off the phone from First Direct and they said I have to have a clear credit record, and that as long as the IVA isn't on there it should be fine. They said they ask about it and that as long as it is over 6 years ago #128077;Can't stand the waiting - I have to wa...

Thanks. Is it worth me writing to my creditors and to the credit agencies to ask if they are able to remove the information earlier?

There are no Notices of Correction in them just now -are they likely to add them at this stage?

Piglet, that's fab. It looks like the wording of that question is key. I did think about that lender as I know people who have been happy with their mortgages, and they are one of the Help To Buy lenders. I wonder if they phrase the question differently for that, as I was told they wouldn't accept m...

Hi Andy,
That's great news.
My main worry is the idea of getting declined at the full application point. I did look at First Direct due to their reputation, maybe I should have a chat with them?

Hi all, I have the completion certificate for my IVA dated 01-06-16. I originally was advised that once my credit files were clear (April 2017) I would be able to obtain a mortgage (albeit not a competitive rate). When I spoke with a financial advisor and then a mortgage advisor this week I was info...