Mortgage With an IVA in Kidderminster — Specialist Help Available
If you're based in Kidderminster and have had an IVA — current or completed — Darryl Dhoffer can help. As an independent whole-of-market broker, Darryl works with 65+ lenders, including specialist lenders who consider IVA applications that high street banks automatically decline.
🏦 What Lenders Look At
- Whether the IVA is active or discharged
- When the IVA was registered and discharged
- Clean credit since IVA discharge
- Deposit — typically 15-25% depending on IVA status
- Current income and affordability
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🎯 Get My Free Score →❓ Common Questions
Can I get a mortgage in Kidderminster with an IVA?
Yes — getting a mortgage with an IVA, or after one, is possible. During an active IVA you'll need your Insolvency Practitioner's permission and a specialist lender. After completion, many lenders will consider applications from day one.
How long does an IVA stay on my credit file?
An IVA remains on your credit file for six years from the date it was registered, even if you complete it early.
What deposit do I need with an IVA in Kidderminster?
Typically 20-25% for a completed IVA within the last few years, reducing as time passes. Active IVAs generally require 25-35% and IP permission.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.
This page is for general information only and does not constitute regulated financial advice. The Mortgage Geezer is a trading style of Access Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 301173. Registered in England No. 04427489. Registered office address Access Financial Services Ltd, Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN.