Yes, you can get a mortgage with an IVA on your credit file. But it can be more difficult compared to someone without one. Most mortgage lenders don’t like applicants to have an IVA on their credit file because it signals to them you’ve 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, you should speak to a specialist IVA 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. Get started.
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.
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