Can I get a mortgage after an IVA, bankruptcy, defaults or ccjs ?

Discover how we have helped loads of people with IVAs, ccjs, defaults or discharged bankruptcies get a mortgage.

Can I get a mortgage after an IVA

Can I get a mortgage after an IVA, bankruptcy, defaults or ccjs ?

YES you CAN !  we help people every month - find mortgage lenders who will lend with IVAs, ccjs, defaults and discharged bankruptcy

Step 1: Submit FREE enquiry Step 2: We will call you back with the results!

  • IVA just cleared Typically 70% - 75% mortgages available
  • IVA Cleared 3yrs+ Typically 75% - 90% mortgages available
  • Mortgage after Bankruptcy Typically 75% - 80% mortgages available
  • Minimum Income of £20,000 pa Salary required
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web page last updated : 21st September 2017

Trust us to deliver ! - we have 15 Years experience in this area and have a 98% successful completion rate !

What we will do for YOU

  • First of all - We will search the "whole of market" - including mortgage deals you can't get direct.
  • We will give you expert advice and ongoing support throughout the whole process.
  • We get your mortgage approved in principle by the lender - so your deal is credit checked before you incur any costs
  • We take care of all the heavy paperwork and running around.
  • Finally - We will clearly explain the mortgage including any fees and charges, before you apply
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100% Satisfaction Guarantee

Don’t believe us !   Well we only get paid on successful completion – so it’s in our interest to make sure you get that mortgage deal !

IVA Mortgage help

Lots of people go into IVAs as a way of resolving a financial crisis, maybe you lost your job, or had a divorce or separation and your financial world was turned upside down.  For some going into an IVA is the right thing to do 'at that time' .

IVA Mortgage advice

However a few years on, and you are now wanting to rebuild your credit profile and move on and start to look for a mortgage and you need help finding an IVA mortgage, as you need to find out who are the IVA mortgage lenders in the UK, that will lend to someone who has a current or recent IVA.

Can you get a  mortgage with an IVA ?

Well can i get a mortgage with an iva ? the answer is probably,  it all depends on how long the IVA has been running, and most importantly why it happened in the first place.  You are better talking to iva mortgage specialists such as us !

15 Years as an IVA Mortgage Broker !

Consequently We know who the iva mortgage lenders are in the UK,  and which UK mortgage lenders to approach for a mortgage with IVA history. All we ask is  that you are open and honest with us and we will help you as best we can to get the mortgage you need.

We can help you get an iva mortgage even if the IVA is still current

Get in touch if you need an IVA Mortgage!

What are You Waiting For?

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IVA Mortgage Lenders

Some advisors out there  will tell people if you have an IVA  then there arent any IVA Mortgage lenders willing to lend until your iva has been cleared 6 years.  Thats not correct ! - there are IVA Mortgage lenders out there who will lend,  sure you might need 25% - 30% deposit to offset their risk, so you wont get a 95% mortgage - but i kind of guessed you were aware of that anyway.

IVA Mortgage Lenders in the UK

IVA Mortgage lenders in the UK, are just normal UK lenders and are still all regulated by the FCA to the same standards as all the high street banks and building societies, they are all reputable lenders.   Yes they do tend to charge higher rates, but as an IVA Mortgage Lender they are taking more risk than the typical high street banks so you'd expect to pay 1 - 2% more than normal anyway.

We can help you find  iva mortgage lender even if the IVA is still current

IVA Mortgage Lenders exclusive deals!

Mortgage after an IVA mortgage lender even Mortgage after Bankruptcy

Mortgage after Bankruptcy

There are Mortgage lenders out there who will lend a mortgage after a bankruptcy has been discharged at least 1 year.  sure you might need 25% - 30% deposit to offset their risk, so you wont get a 95% mortgage - but i kind of guessed you thought that anyway.

Mortgage after Bankruptcy

Getting a mortgage after bankruptcy with Mortgage lenders in the UK, are still all regulated by the FCA to the same standards as all the high street banks and building societies, they are all reputable lenders.   Yes they do tend to charge higher rates, but as a lender that will lend a mortgage after bankruptcy  they are taking more risk than the typical high street banks so you'd expect to pay 1 - 2% more than normal anyway.

Mortgages for discharged bankrupts

We can help you find  a mortgage after bankruptcy as long as its been discharged at least 1 year!  We know who the mortgage lenders for discharged bankrupts are in the UK. We successfuly complete new mortgages with them and help people rebuild their lives and credit profile.

So if you are seeking a mortgage after bankruptcy, talk to us,  we will help you as much as we possibly can,  we dont judge or criticise  thats not out job,  our job is to help you get the mortgage you need.

 

Mortgage after Bankruptcy  exclusive deals!

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bad credit mortgages

Firstly we know not all UK mortgage lenders will accept defaults, and after a few tries with local / high street mortgage lenders you may be asking yourself  " Can you get a mortgage with bad credit ? "

Bad credit mortgage UK lenders

Secondly it doesnt help when there are advisors out there who will tell people if you have a bad credit rating  then there arent any UK Mortgage lenders willing to lend until your bad credit has been repaired.

Getting a mortgage with Bad Credit

Getting a mortgage with bad credit is hard  much harder than just popping into your local bank branch, you will have to get someone who understands how to get a mortgage with bad credit, which mortgage lenders will lend with bad credit, which mortgage lenders allow bad credit and what forms of bad credit they accept.

All mortgage lenders have different criteria and the trick is finding out which mortgage lender will lend based on your credit history.

Bad credit mortgages

It might be worth adding here - you do need to get yourself  'mortgage ready '  after all even the lenders that accept bad credit,  want to know you can afford to pay and will pay the mortgage each month.

We are a specialist bad credit mortgage broker and understand that your credit score is low, that why we use mortgage lenders that ignore credit scores.

 

 Key things you can be doing to rebuild your credit profile;

  • Make sure ALL direct debits are paid on time for at least 1 year
  • Don't apply for payday loans - most lenders wont lend if they see one in last 12 months
  • Keep credit card balance under 30% of the credit card limit
  • Don't apply for a new car loan ....and then ask for a mortgage
  • correct any errors on your own credit report