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hi ive got 3 years left on my iva . ive recently got married and the wife would like to know when i would be able to consider getting a mortgage with her

Hi there. You can get a mortgage in an iva, as long as it would not affect your ability to maintain your repayments to the iva. I dont know a lot about mortgages so hopefully someone else will also advise. To the best of my knowledge you have to go to a subprime lender and will pay slightly more for it.
As s aid wait for other answers.

Ang

Please visit my blog at http://aguise.blogs.iva.co.uk/

And you will need to have at least 15% to put down as a deposit, given your credit rating.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp