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And don't forget that you are unlikely to be offered a 100% mortgage whilst subject to an IVA, and you will be unable to save up for a deposit. So you will really need to look to a third party contribution if you want to take out a mortgage whilst being subject to an IVA.
If the IVA has successfully been completed by the time you make your application, it is unlikely that this will seriously affect your ability to get funding - and this will diminish further as time runs onwards. The mortgage broker I regularly recommend clients to is getting some very good deals for ex-bankrupts and IVA candidates at the moment, in a growing and therefore competitive marketplace.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
View my IVA blog at:
http://melaniegiles.blogs.iva.co.uk