Credit problems stay on your file for 6 years so your options are to either wait or save up and buy without a mortgage or just buy in your name.

My partner settled an IVA over 12months ago for £7k, and now we would like to get a mortgage together. We are both now debt free and between us earning over £100k per annum.

Can anyone indicate the impact the IVA will have on a mortgage application? We will be able to get a mortgage?

Thanks in advance for any help.