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by AL28
Tue Dec 24, 2019 11:04 pm
Forum: mortgages
Topic: New build help to buy after Iva
Replies: 16
Views: 51704

That’s terrible I had no idea. In the first few weeks of application carol took over and was told he had gone sick but didn’t realise. Thoughts to his family RIP
by AL28
Sun Dec 22, 2019 8:03 am
Forum: mortgages
Topic: New build help to buy after Iva
Replies: 16
Views: 51704

Right I don’t know where to start and I still can’t believe it but we are now the proud owner of our 4 bed new build after 6 years 6 months post Iva (start) I need to say a massive massive thank you to mike and carol from zebra who got me the mortgage from the high street with a fantastically compet...
by AL28
Tue Sep 17, 2019 10:21 am
Forum: mortgages
Topic: Decision in principle
Replies: 3
Views: 18000

Hi all, Would I be able to get a decision in principle while still on iva register. Drops off 25/9/2019. My Iva And defaults etc are all erased from my credit files so just waiting for this. I know you’ll say wait 8 days and then apply it’s just I’m getting squeaky bum syndrome about a new build I w...
by AL28
Thu Sep 05, 2019 7:19 pm
Forum: template letter suggested by inaiva
Topic: Shop direct default 3 months after completion certificate
Replies: 2
Views: 15496

Checked my credit score today as I now do religiously as looking to get a mortgage at the end of the month to find that for some reason shop direct have registered a default (unsure of default date as score not updated) however my Iva and certificate completion was on 25/06/2019 and I’d been sorting...
by AL28
Tue Jun 25, 2019 11:07 am
Forum: mortgages
Topic: New build help to buy after Iva
Replies: 16
Views: 51704

Going to give him a call now! Would you believe it I’ve had an email from aperture and they’ve sent me my completion certificate! Feels amazing 6 of the hardest years over. Just a few loose ends to tie up with bpf having a wrong default date then my file should be squeaky clean. Emailed insolvency r...
by AL28
Mon Jun 24, 2019 5:11 pm
Forum: mortgages
Topic: New build help to buy after Iva
Replies: 16
Views: 51704

That’s great Ryan thanks. Should I just phone your number on website? I’ll give you a ring in the morning with my details etc
Thanks again
by AL28
Mon Jun 24, 2019 4:44 pm
Forum: mortgages
Topic: New build help to buy after Iva
Replies: 16
Views: 51704

I have been pestering them for the past 3 months and sent an email to my ip to rush it on. Hopefully they will live up to their word!
Thanks for the link. Should I wait for the completion certificate or see how the land lays now? I don’t want to rush as want to do it right
by AL28
Mon Jun 24, 2019 4:16 pm
Forum: mortgages
Topic: New build help to buy after Iva
Replies: 16
Views: 51704

Hi and sorry if this has been said hundreds of time but I am shortly coming to the end of my Iva (Iva start 25/06/2013) and then waiting until it drops off my credit file 6th year which is actually tomorrow!! Thank god! Question is when would I be able to apply for a mortgage and have a realistic ch...
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