hi .Me and my husband had a joint iva started in aug 2008 we completed our iva in aug 2013 . when looking at our credit files my husband iva has been removed from experian and creditexpert and on equifax states iva discharged 2009 . he has a score of 999 with experian .would he be able to get a mortgage .thanks
Hi, worth having a chat with Ryan or Shaun the mortgage experts of the forum. They can be contacted via the ask experts a Question link to the left (scroll down to obtain their contact details). Generally it takes 6 years for the IVA to drop off your credit files.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
As Lesley suggests Ryan or Shaun are best placed to advise, but whilst it on your credit file then it may be more difficult but not impossible. Have you got the completion certificate yet ? Not having this may cause a slight delay ... But let the experts advise further
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Hi,
Lenders can now use all 3 credit reference agencies, so until it is off of all 3 of these, it would be unlikely you would be able to obtain a mortgage until August 2014.
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre
IVA Mortgage advice needed? Looking at Right to Buy and completed IVA still on credit files ?
