After the mistake of a bad marriage, and being talked into having all credit cards, and debts in my name - the divorce led to me losing everything after the house was sold to complete an IVA in my name. This was a one-off cash completion using ALL my share of the equity. My ex walked away with the other half the equity......
New job, new RENTED home, new partner 3 and a half years down the line. I have already paid 26k in rent :mad: and am desperate to try and buy somewhere while I still have 11 years work left in me!
The IVA debris is still on my credit file (completed 2008). I have been to an independent broker who has said 50% mortgage is probably best that can be done. Even if I had the rent I paid in last 3 years that would be difficult.
My partner has approx. 30-40% deposit. Any advice would be gratefully received
New job, new RENTED home, new partner 3 and a half years down the line. I have already paid 26k in rent :mad: and am desperate to try and buy somewhere while I still have 11 years work left in me!
The IVA debris is still on my credit file (completed 2008). I have been to an independent broker who has said 50% mortgage is probably best that can be done. Even if I had the rent I paid in last 3 years that would be difficult.
My partner has approx. 30-40% deposit. Any advice would be gratefully received