www.iva.co.uk

Hi

I have been completed on my IVA via F&F for 3 years this year and the IVA has been removed from my credit file. I am considering a Morgage however there is a question on there relating to an agreement with creditors (i.e IVA) as the IVA is off my file settled and completed for 3 years do I need to inform them as I will then be refused a morgage or have to take a sub prime morgage for something that happened over 6 years ago and is done and dusted will this haunt me for the rest of my life

It will depend on how the question is worded. Does it say are you in an arrangement or have you been in an arrangement?

It is all in the wording ....as sensible77 asks..... Take another look but be honest ..don't try to hide it.
There are a couple of forum experts who deal with mortgages and i am sure they wouldn't mind answering any questions you have.

Hi

My advice is to use a mortgage broker as advised above

Regards

OK another question which may help individuals looking for an IVA can we between us identify which financial institutes ask the question

1 Are you in an arrangement ?
2 Have you been in an arrangement ?

Unfortunately mine in question 2 with the Natwest therefore I wont be applying

I'm not sure that if you answer yes it will mean a rejection. Would it not say so on the application to save further bother? Maybe the interest rate will be higher.