IVA Mortgages: Getting a Mortgage During or After an IVA
An Individual Voluntary Arrangement (IVA) is a formal debt solution, but it doesn't permanently prevent you from getting a mortgage. With specialist advice, you can find mortgage options during an active IVA or after completion.
Content reviewed: 13 January 2026
IVA Mortgages at a Glance
- •Yes, you can get a mortgage during or after an IVA
- •Active IVA mortgages require IP permission and 25-30% deposit
- •Options improve significantly after IVA completion
- •IVA stays on credit file for 6 years from start date
- •Specialist lenders understand IVA situations and assess individually
What is an IVA?
An Individual Voluntary Arrangement (IVA) is a legally binding agreement between you and your creditors to pay back a portion of your debts over a set period (usually 5-6 years). It's managed by an Insolvency Practitioner (IP) and provides protection from creditor action while you make agreed payments.
Active IVA
During your IVA (typically 5-6 years), getting a mortgage is possible but requires IP permission and specialist lending. Deposits of 25-30% are usually needed.
Completed IVA
Once your IVA is completed (and you receive a completion certificate), your options expand significantly. Each year post-completion improves your position.
IVA Mortgage Timeline
During Active IVA
Possible with IP permission, 25-30% deposit, specialist lenders only. Higher interest rates. All IVA payments must be up to date.
0-1 Years Post-Completion
More lenders available immediately after completion. 15-25% deposit typical. Rates improve compared to active IVA. Still classified as recent adverse.
2-3 Years Post-Completion
Near-mainstream options become available. 10-15% deposit may be sufficient. Competitive rates with clean credit since IVA.
6+ Years (IVA Off Credit File)
IVA removed from credit file. Full range of mainstream lenders available. Standard deposit requirements apply. Best rates accessible.
Frequently Asked Questions
Yes, some specialist lenders will consider mortgage applications during an active IVA. You'll need permission from your Insolvency Practitioner (IP) and typically a 25-30% deposit. Most people find it easier to wait until completion.
You can apply to specialist lenders immediately after your IVA completes. As time passes post-completion, more lenders become available. After 3 years post-completion, you may access near-mainstream rates.
An IVA stays on your credit file for 6 years from the start date, not the completion date. If your IVA lasts 5 years, it may only show on your file for 1 year after completion.
During an active IVA, expect to need 25-30% deposit. After completion, 15-20% is more typical. As years pass post-completion, deposit requirements reduce and options improve.
Yes, you must disclose your IVA to any lender. Failure to disclose could be considered fraud and may result in your mortgage being called in. Lenders will see it on your credit file anyway.
Remortgaging during an IVA is possible with IP permission but challenging. Most people remortgage after IVA completion when more options are available and rates are better.
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Content reviewed: 13 January 2026