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Posted: Mon Sep 17, 2012 11:11 am
by Jo.mm
My husband had an IVA which has finished and he has a certificate to show that it's all finalised.
We want to buy a house (renting at present) and we have a large cash deposit. We'd need a mortgage for about £50k.
Our bank has refused us because they won't lend to anyone who has previously had an IVA.
Where's the best place to go from here so we don't pay over the odds?
Thank you
Posted: Mon Sep 17, 2012 11:21 am
by Adam Davies
Hi and welcome
A whole of market mortgage broker is the best place to try and secure a mortgage. Try Ryan who is listed in the expert section
Good Luck
Regards
Posted: Mon Sep 17, 2012 11:30 am
by artemischild
Ryan in the 'ask the experts' section has great success at helping those with previous IVA's get a mortgage and i would say with such a large deposit it should be too much trouble!!
best of luck
arty
Posted: Tue Sep 18, 2012 8:03 am
by vince666
I 100% recommend getting in touch with Ryan - he was brilliant in sorting out a mortgage for me.
Posted: Tue Sep 18, 2012 8:05 am
by Shining
I think Ryan is worth talking to and all the best in securing a mortgage. x
Posted: Tue Sep 18, 2012 3:15 pm
by luluj
Can only echo other recommendations...Ryan has helped lots of forum members since joining the forum as an expert...
Posted: Tue Sep 18, 2012 6:24 pm
by sponge
Ryan
My bank manager has said to me lending criteria for all lending has changed and even a sniff of IVA or defaults on your credit record get an automatic no matter where you go?
Posted: Tue Sep 18, 2012 6:40 pm
by luluj
Ryan's response will be I am sure..each case is looked at on it's own merit. When the time is right approach a broker like Ryan who will be able to review the whole market and his own contacts...never say never!