Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
If you have a current or previous Individual Voluntary Arrangement (IVA), you may think getting a mortgage is impossible. While an IVA can make borrowing more challenging, it does not automatically prevent you from becoming a homeowner. Many lenders assess each application individually, taking into account your financial circumstances rather than focusing solely on your credit history.
At ABC Mortgages, we provide expert advice for people looking to secure a mortgage with an IVA. Whether your IVA is still active or has been completed, we’ll help you understand your options and identify lenders who may be willing to consider your application. Based in Kent, we support clients with a wide range of financial backgrounds, helping them move forward with confidence.
Discover how much you can afford to borrow.
Your home / property may be repossessed if you do not keep up repayments on your mortgage.
Last Updated: 16th July 2026
An Individual Voluntary Arrangement (IVA) is a formal agreement between you and your creditors that allows you to repay your debts over an agreed period, usually five or six years. It is a legally binding debt solution that is often used as an alternative to bankruptcy.
While an IVA can help you regain control of your finances, it will also affect your credit history and may remain on your credit file for six years from the date it was approved. This can make obtaining credit, including a mortgage, more difficult during that time.
However, having an IVA does not mean homeownership is no longer possible. Many lenders are willing to consider mortgage applications from people with a current or previous IVA, provided they meet the lender’s individual criteria.
Yes, it is possible to obtain a mortgage with an IVA, although the options available will depend on your individual circumstances.
Many high street lenders have stricter lending criteria for applicants with an active or recently completed IVA. However, there are specialist lenders who take a more flexible approach and consider the application as a whole rather than focusing solely on your credit history.
When assessing your application, lenders may consider factors such as how long ago your IVA was approved or completed, your current income, employment stability, the size of your deposit, and how you have managed your finances since entering the arrangement.
Every lender assesses risk differently, which is why receiving professional mortgage advice can make a significant difference when searching for a suitable lender.
Applying for a mortgage after an IVA follows the same basic process as any other mortgage application, but lenders will carry out additional checks to better understand your financial situation.
Many lenders will want to see evidence that your finances have stabilised since your IVA. This may include demonstrating regular income, maintaining payments on existing commitments, building savings towards a deposit, and avoiding further adverse credit where possible.
Deposit size can also play an important role. A larger deposit may provide access to a wider range of lenders and improve the mortgage options available, although requirements vary depending on the lender and your individual circumstances.
Understanding which lenders are more likely to consider your application can help avoid unnecessary credit searches and improve your chances of securing a suitable mortgage.
Although every situation is different, there are several positive steps you can take to improve your mortgage prospects after an IVA.
Maintaining a good payment history on your existing financial commitments, registering on the electoral roll, checking your credit report for accuracy, and saving a larger deposit can all strengthen your application over time. Stable employment and consistent income also provide reassurance to lenders when assessing affordability.
Most importantly, seeking advice before submitting an application allows you to approach lenders whose criteria are most appropriate for your circumstances.
Yes, many homeowners choose to remortgage after completing an IVA. As your financial circumstances improve and your credit profile strengthens, additional mortgage products may become available.
Some homeowners remortgage to secure a more competitive interest rate, while others release equity for home improvements or other legitimate purposes. As with any mortgage application, lenders will consider affordability, credit history, available equity, and your overall financial position before making a decision.
Professional advice can help you understand whether remortgaging is appropriate and identify lenders whose criteria best match your circumstances.
While obtaining a mortgage after an IVA is possible, it is important to have realistic expectations. Some lenders may require a larger deposit, and interest rates may initially be higher than those offered to borrowers with an unblemished credit history.
Every lender has different criteria, and not every mortgage will be suitable for every applicant. Rather than applying to multiple lenders, receiving personalised advice can help identify those most likely to consider your application while reducing unnecessary credit searches.
Carefully reviewing your finances and understanding your borrowing position before applying can significantly improve your chances of success.
At ABC Mortgages, we provide specialist mortgage advice for clients with current or previous IVAs across Sittingbourne, Sheerness, Maidstone, Canterbury, Medway, Ashford, and the surrounding areas. We understand that financial difficulties can happen for many reasons, and we believe they should not automatically prevent you from achieving your homeownership goals.
Our advisers take the time to understand your circumstances, explain your options clearly, and recommend lenders whose criteria best suit your individual situation.
Finding a mortgage after an IVA requires experience, knowledge of lender criteria, and an understanding that every applicant’s circumstances are unique. At ABC Mortgages, we provide straightforward, honest advice designed to help you move forward with confidence.
We have access to a wide range of lenders and understand how different providers assess applications involving previous financial difficulties. From your initial enquiry through to completion, we’ll support you throughout the mortgage process and help you explore the options available to you.
If you have a current or previous IVA and would like to explore your mortgage options, ABC Mortgages is here to help. We understand that every financial journey is different, and we’re committed to providing clear, personalised advice that reflects your individual circumstances.
Whether you’re buying your first home, moving property, or considering a remortgage, our experienced advisers will help you understand your options and guide you through every stage of the mortgage process.
Contact ABC Mortgages today to discuss your mortgage options and receive expert advice tailored to your circumstances.
Some lenders may consider applications while an IVA is active, although the options available are often more limited than if the IVA has been completed.
Deposit requirements vary between lenders. In many cases, having a larger deposit can improve the range of mortgage products available.
Yes. Specialist lenders work with brokers like ABC Mortgages to offer tailored solutions for those with past IVAs or bad credit.
It may be possible to apply while your IVA is still showing on your credit file, although more lenders may become available once it has been completed and your financial position has improved.
It can. Depending on your circumstances, some lenders may offer higher rates initially. As your credit profile improves, more competitive options may become available.
Typically, lenders require at least 10–20% equity, though it varies by case. We’ll assess your situation and explain what’s possible.
Important Information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £395.
The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.