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IVA mortgages for people with bad credit with arrears
Those who have entered into individual voluntary arrangement to manage their debts would find it extremely difficult to get a mortgage when they want to purchase a property. There are not many lenders that would be ready to offer mortgages to such individuals.
However, there are a few online lenders and some brokers who would be willing to help you and offer mortgages that are especially designed for those with adverse credit and IVAs. You would be able to find such lenders by contacting a broker.
There are also a few offline lenders offering their services in Devon, Fareham, Hertfordshire, Huddersfield, Wales, Wokingham, Ireland, Milton Keynes, Portsmouth, Southampton, Torquay, Wales, Warsash and Yorkshire. Depending on case to case, you can get a loan to value LTV of 80%, 85%, 90%, 95%, 100% and sometimes even 110% in unique cases.
Some of the lenders and loan arrangers that can provide you an IVA mortgage are Affordable Mortgages, Adverse Mortgage Centre, Fair Investment and others. If you are looking for guaranted commercial or residential mortgages and if you are currently paying rent on a rental property, then contacting a good broker would be the best way to go about it.
These companies would provide you advise on how to get a quote, give you more information on the best rate in the market, interest rates, online calculator to compare and find the cheapest fixed rate mortgage etc. however, you should remember that for an IVA mortgage, the rate of interest that you would be paying would definitely be higher than the normal mortgages.
With the help of an IVA mortgage, you can purchase various types of properties like bedsit, holiday cottages, guest house, regulated tenant properties.
A good subprime lender would be able to offer you flexible no credit check sub prime mortgages even if you have adverse, non status, bad credit or even if you are self cert. you would be required to make a deposit once the loan is approved. These mortgages can allow you to finally own your own property.
However, you would have to be quite careful with the way you handle your loan account since being irregular with payments would only harm your credit history further.