Mortgage with an IVA
An Individual Voluntary Arrangement does not lock you out of a mortgage. Angela has direct access to lenders who accept customers with an IVA, current or completed, and speaks with their underwriters regularly to get cases accepted - even after a decline elsewhere.
Same-day decision in principle available for urgent cases.
Where you might be
- IVA in progress
- IVA completed
- IVA plus other credit issues
- Declined because of an IVA
The IVA question lenders actually ask
Lenders who accept IVA cases care about the shape of it: how long the arrangement has run, your payment conduct within it, whether it has completed, and what deposit you bring. Each lender weighs those differently.
Angela knows which lenders take which view, and presents your case to the right one first - the difference between a considered application and another automatic decline.
Based in Benfleet, Essex - advising clients across the whole of the UK.
Very professional, understanding, knowledgeable and straight talking.
Fair questions, straight answers
Can I get a mortgage while my IVA is still running?
Some specialist lenders will consider it, often with your IVA practitioner's consent and depending on your conduct within the arrangement. A completed IVA widens the options considerably. Either way you will get a straight answer first.
How soon after an IVA completes can I apply?
It varies by lender - some consider cases soon after completion, others want more distance. Angela will tell you where you stand now and, if the answer is "not yet", exactly when it changes.
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Mortgages after an IVA.
Timing matters more than anything here. We will tell you what is possible now and what needs to wait.
Seven quick questions. Nothing touches your credit file.
or call 01268 387898
Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.