Turned down By Santander ?turned down by santander - iva bankrupt

Page updated June 2016 –

Firstly a HUGE Thank you to Santander for recommending us to their clients they can’t help anymore.

It was great to hear from a  client  in my meeting with them, when I asked  how did you find out about us ?  that Santander had pointed her towards our  website and said ” they should be able to help you

So if you have been turned down by Santander – follow their own advice and talk to us !    seriously though its great to hear that we are regarded so highly by some of the major banks.  Santander currently( for the last few years )  have a clear policy that it will no longer accept people who have ever had an IVA whether discharged or not  and nor will it accept discharged bankrupts irrespective of how long ago the bankruptcy was .

Declined by Santander for mortgage ?

Clearly that fact that Santander turn down people like yourself as loyal clients who have been with them for years – might seem very hurtful,  But Santander are NOT doing this to you PERSONALLY,  they have a corporate mandate to slowly clear their mortgage books of less than clean credit history people, and to certainly not lend to anyone who has had bad credit at the levels of a discharged IVA or discharged bankruptcy before.declined by santander for mortgage

Different banks have different ways of handling their slow cleansing processes, but please do not think badly of Santander  they are a good bank but have to meet regulators requirements to ‘get their house in order’  and this is just one of several policies they have adopted to try and bring the bank back in line with what the regulators and world at large want to see in a bank – a strong financial institution – I am sure if you bank with Santander that you would agree – you want to know your money is safe right ?!  exactly,  so they’re just doing their job

Previous IVA Mortgages — if you have cleared your IVA in the past few days, months or years, and need a mortgage after an IVA then we can find lenders who are increasingly willing to offer you a previous iva mortgage. IVA companies don’t make it clear that even when you have completed your previous IVA, your credit file is still badly tarnished in most lenders eyes and getting a mortgage after an IVA can be difficult.. We can help you through the detailed criteria lenders have and find those willing to offer great mortgage rates to people with a previous iva mortgage.

September  2015 – IVA Mortgage Lender update

IVA mortgage lender table
IVA StatusMax Lending
Current / just completed
60% – 70%
Satisfied 1 year
Satisfied 2 years
Satisfied 3 years

Mortgage after an IVA

If you want a mortgage with a previous IVA, then please get in touch as they need careful handling to ensure they complete swiftly and successfully.  Mortgage interest rates  will be slightly higher following an IVA than high st lenders  – but then you kind of  knew that anyway !

We have bee placing people into responsible mortgage lending after an IVA for 15 years,  so whether you have just cleared your IVA, want to clear it on completion / release of funds or are still in the IVA, get in touch with us.

Obtaining a mortgage after an IVA can be difficult, however as more time passes after your IVA, more and more mortgage lenders would be willing to lend, some from day 1, some even to help clear the IVA. Most Mortgage lenders will offer you a mortgage after an IVA once it has been passed 2+ years.

Previous IVA and need Mortgage



  • Previous IVA Mortgage — Interest Only
  • Previous IVA Mortgage — with current IVA
  • Previous IVA Mortgages — get professional help


Page tags: Turned down by Santander, Santander mortgage decline, Previous IVA remortgage, previous iva mortgage help, previous iva mortgage possible, previous iva mortgage lender