Hi mapleleaf,

As discussed in other threads here this morning, I think you've got the wrong end of the stick with this.

Hi folks!

I'm reading through lots of posts to try and work out what the process is for getting a mortgage post Trust Deed, specifically around Credit Checks.

I'd contacted a Mortgage broker who "specialised" in mortgages after an IVA so I figured they'd know. He gave me some advice which I knew was incorrect - he said I would need to get myself removed from the ROI (I can't just get myself removed!) and he said if I was still on here I'd no chance of getting a mortgage because it would flag up during the Credit file check (I believe this Insolvency check is only carried out at completion stage?). He also told me my record would remain on the ROI for 6 years. I know it's one year after the Trustee is discharged.

So I'm trying to work out if I should even try applying.

My situation is:

Trust Deed started Feb 2011.
Completed and I was discharged in May 2016 (was extended due to Mat Leave). .
It no longer shows on my Credit file and all my defaults are also removed.
I have a credit card with my bank and a mobile phone contract as well as car finance which was settled during my TD so Credit file looks ok.
My Trustee will be discharged in a couple of weeks (confirmed with them this week).
I have a 10% deposit for the house I would like to buy.

I had thought I would be fine to apply but now I'm not so sure after this advice today. However this post has given me some hope again. (Thanks Scotland28!! And good for you!).

Perhaps I should just go to my bank and try with them rather than a mortgage broker?!

Use a broker. Once you are completely off the register of insolvencies it should be ok. I had a couple of small defaults on my account and I still got a remortgage from the halifax

Our thoughts are all here Buzzbee:

https://www.trust-deed.co.uk/repair-your-credit-rating.html

Trust deeds work a bit differently to an IVA and I suspect this broker doesn't fully appreciate the differences.