Hi Dave,
On renting, seems some landlords/agants check, but not all.... to save the worry, as Cul8tr says, it's worth just being up front with the agency. When we moved down here I literally rang all the agents appearing in the local paper and asked whether they would be prepared to recommend me to a landlord whilst I'm in an IVA. Of those that had heard of an IVA, most said they wouldn't see it as a problem if I could provide good references from my previous landlord and my bank confirmed I had a reasonable income. Only one company, a small outfit in Hants were basically rude and unpleasant.....saying in the end that they'd consider me, but only if I paid the entire years rent in advance!!!....interstingly, that was 8 months ago and the house still doesn't appear to have tenants...!
On mortgages, also be aware that if you buy, you may have to remortgage at the end of your IVA to release any equity to your creditors....assuming the housing market ever increases in value again of course!
Martin
