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Looking for advice about moving as we have completed our IVA
Posted: Fri Nov 10, 2017 7:04 pm
by Victoria.w
Hi, my husband and I have completed our iva and would like to move in the next 18mths. we need some advice regarding mortgages etc. we are still paying a charge on the house, current balance is around £3k paying £75pm and have never missed a payment. our bank said that they would possibly do a mortgage of around £180k although they said we would need to pay off the charge. is this the same for all mortgage lenders? what are the costs approx. of moving/deposits these days etc?? we have only ever been first time buyers (15yrs ago). can we get a normal mortgage? how much do people charge to sort out mortgages? any help will be gratefully received!!
Re: Looking for advice about moving as we have completed our IVA
Posted: Fri Nov 10, 2017 7:30 pm
by Foggy
Victoria.w wrote:Hi, my husband and I have completed our iva and would like to move in the next 18mths. we need some advice regarding mortgages etc. we are still paying a charge on the house, current balance is around £3k paying £75pm and have never missed a payment. our bank said that they would possibly do a mortgage of around £180k although they said we would need to pay off the charge. is this the same for all mortgage lenders? what are the costs approx. of moving/deposits these days etc?? we have only ever been first time buyers (15yrs ago). can we get a normal mortgage? how much do people charge to sort out mortgages? any help will be gratefully received!!
With an IVA in your history I would suggest a chat with either Ryan or Shaun, who are both whole of market brokers with experience in adverse credit applications. heir contact details can be found here:
memberlist.php?mode=team
They are down in the yellow section.
Re: Looking for advice about moving as we have completed our IVA
Posted: Fri Nov 10, 2017 9:56 pm
by kallis3
Agree with Foggy - give our experts a chat.
Re: Looking for advice about moving as we have completed our IVA
Posted: Sat Nov 11, 2017 3:19 am
by luluj
I am confident our experts will be able to support you ...good luck
Re: Looking for advice about moving as we have completed our IVA
Posted: Mon Nov 13, 2017 8:37 am
by Ryan
Hi Victoria,
We'd be happy to take a look at your situation if you were to contact us.
Regards
Re: Looking for advice about moving as we have completed our IVA
Posted: Mon Nov 13, 2017 12:31 pm
by Lisa Thomas
You might need to tidy up your credit records.
You might find this quick video I made about cleaning up your credit record useful:
https://youtu.be/PV4RzUY4BRM
Noddle and Clearscore are also free credit agencies to consider using:
https://www.noddle.co.uk/
https://www.clearscore.com/