Yes, you can. But it can be more difficult. Most mortgage lenders don’t like applicants to have an IVA on their credit file. That’s because it signals to them you have had credit issues in the past. So an IVA does make it more difficult to get approved for a mortgage, but only because a lot of mainstream lenders won’t consider you.
Luckily, there are specialist lenders who’ll consider you and look at the specific details of your credit history. Unlike a lot of mainstream lenders, they’ll make a decision based on your current situation and ability to make repayments, rather than seeing you have an IVA on your credit file and instantly refusing you.
To get a mortgage with an IVA on your credit file, speak to a specialist bad credit mortgage broker who has the right experience to help you. They’ll know the specialist lenders who’ll consider you and which ones will offer the most competitive mortgage rates.
We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.
Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.
No robots, no automated answers. We use technology to connect you to a real person. Not replace them.
Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.
Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.