Yes — but timing, deposit size, and credit recovery are key.
An IVA (Individual Voluntary Arrangement) can feel like a financial dead-end. But if you’ve completed yours, or are close to the end, you might be surprised to learn that a mortgage could still be within reach.
Specialist lenders exist specifically to help people rebuild after debt agreements like IVAs.
⚖️ What Is an IVA?
An IVA is a formal agreement between you and your creditors to repay part of your debts over time. It’s legally binding and shows on your credit file for 6 years.
Lenders see it as a serious credit event — but not an insurmountable one.
🕒 When Can I Apply for a Mortgage After an IVA?
Most lenders will want:
- The IVA to be fully completed and discharged
- At least 12–24 months since completion
- A record of no further missed payments since
💡 The more time that’s passed since the IVA ended, the better your options.
💰 What Deposit Do I Need?
Expect to put down at least 15–25%, depending on:
- The severity and timing of your IVA
- Your current credit behaviour
- Whether you’re applying solo or jointly
A bigger deposit = lower risk for the lender.
🧠 Tips to Strengthen Your Application
✅ Get your credit report updated to show IVA completion
✅ Save a larger deposit
✅ Avoid new credit unless absolutely necessary
✅ Register on the electoral roll
✅ Use a broker who deals with IVA-friendly lenders
💬 Let’s Rebuild Your Mortgage Future
Coming out of an IVA doesn’t mean you have to delay your property goals forever. I’ll help you find lenders that listen to the full story — not just the score.
✅ Specialist support post-IVA
✅ Access to non-high-street lenders
✅ Honest advice and realistic expectations