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IVA Mortgages

Financial challenges can happen to anyone. If you’ve had an Individual Voluntary Arrangement (IVA) in the past, you might worry that it will stop you from getting a mortgage. The good news is — it doesn’t have to.

At Rosa Mortgages, we help clients secure the right IVA mortgages and take confident steps towards homeownership again. Our specialist mortgage advisers understand that everyone’s financial story is different, and we’re here to guide you through the process with understanding, honesty, and expert advice.

What are IVA Mortgages?

IVA mortgages are designed for people who are currently in, or have previously completed, an Individual Voluntary Arrangement — a formal agreement used to repay debts over time. While having an IVA on your credit record can make it harder to get approved by mainstream lenders, it doesn’t mean your homeownership goals are out of reach.

An IVA will appear on your credit file for six years from the date it started, and during that time, some lenders may consider you higher risk. However, specialist IVA mortgage lenders understand this situation and take a more flexible approach, assessing your current financial circumstances rather than just your past.

At Rosa Mortgages, we can connect you with these lenders and help you explore mortgage options that work for your situation.

Can You Get a Mortgage with an IVA?

Yes — it is possible to get a mortgage after an IVA, though the process can be more complex. Success will depend on a few key factors, including:
Whether your IVA is still active or has been completed.
How much time has passed since it was settled (most lenders prefer at least 3–6 years).
How well you’ve managed your finances since your IVA ended.
The size of your deposit and the type of property you’re buying.
If your IVA is still ongoing, your options may be limited — you’ll usually need permission from your insolvency practitioner to take out a mortgage. However, if you’ve completed your IVA and demonstrated good credit habits since, specialist IVA mortgage lenders are often willing to help.
Even if you’ve been declined by high street lenders, don’t lose hope. Rosa Mortgages can identify lenders who consider applications on a case-by-case basis and are open to helping people rebuild financially.

What Lenders Look For with an IVA Mortgage

When applying for IVA mortgages, lenders will assess several factors to determine whether they can offer you a deal.

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Deposit Size

You’ll usually need a larger deposit than someone with a clean credit history — typically between 15% and 30%. A higher deposit reduces the lender’s risk and improves your chances of approval.

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Credit History

Lenders will look for signs of financial improvement since your IVA. Making consistent payments and avoiding new debt will show that you’ve regained control of your finances.

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Time Since IVA Completion

The longer it’s been since your IVA was settled, the more mortgage options become available. Once six years have passed and your IVA is removed from your credit report, some high street lenders may consider you again.

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Property Type

Certain property types — such as new builds or non-standard construction homes — may have additional restrictions, so it’s worth seeking guidance early.

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Affordability

Stable income and manageable outgoings are essential. Lenders will check that your monthly mortgage payments remain affordable alongside your living costs.

Steps to Improve Your Chances of Getting an IVA Mortgage

While applying for a mortgage after an IVA can feel daunting, there are practical ways to strengthen your application:

  • Check your credit report – Review your file for any errors or outdated information.
  • Rebuild your credit – Use small, manageable credit responsibly and pay off balances in full each month.
  • Save a larger deposit – The more you can put down, the more lenders will be willing to consider your application.
  • Avoid new credit applications – Too many checks can temporarily lower your credit score.
  • Get professional advice – Working with a specialist IVA mortgage broker like Rosa Mortgages gives you access to lenders and options that aren’t always available directly to borrowers.

Our team can help you understand exactly where you stand and create a clear plan to move forward.

How Rosa Mortgages Can Help

At Rosa Mortgages, we believe that your financial past doesn’t define your future. Our job is to find lenders who look beyond credit scores and focus on you — your progress, your stability, and your goals.

Here’s how we can help you find the right IVA mortgage:

  • Personalised advice – We’ll assess your circumstances and recommend the most suitable lenders and products.
  • Access to specialist lenders – We work with a wide panel of banks and niche providers who understand IVAs.
  • Support from start to finish – From initial consultation to application and approval, we’ll guide you through each step.
  • Honest, transparent guidance – We’ll set realistic expectations and give clear, jargon-free advice.

If you’re ready to rebuild and move forward, our friendly advisers are here to help you every step of the way.

IVA Mortgages FAQs

  • Can I get a mortgage while still in an IVA?

    It’s difficult, but not impossible. You’ll need permission from your insolvency practitioner, and options may be limited to specialist lenders.

  • How long after an IVA can I apply for a mortgage?

    Once your IVA is completed and at least three years have passed, more lenders become available. After six years, the IVA will no longer appear on your credit file.

  • How much deposit will I need for an IVA mortgage?

    Most IVA mortgage lenders require a deposit between 15% and 30%, depending on your circumstances and credit history.

  • Will an IVA stop me from buying a home?

    No. While it may limit your choices initially, there are specialist lenders who will still consider your application.

  • Are IVA mortgage interest rates higher?

    Typically, yes — lenders may charge slightly higher rates to offset risk. Over time, as your credit improves, you may be able to remortgage to a lower rate.

  • Can I remortgage after completing an IVA?

    Yes, once your IVA is settled and your credit record has improved, remortgaging is often possible.

  • Do I need a specialist mortgage broker for IVA mortgages?

    It’s highly recommended. A specialist broker like Rosa Mortgages can access lenders and products not available on the high street.

Conclusion & Call to Action

Your income powers everything — your home, your family, your future. Protect it with confidence through income protection insurance.

At Rosa Mortgages, we make it simple to understand your options and secure the right policy for your needs. Whether you’re employed, self-employed, or running your own business, our friendly team will help you stay financially secure — whatever life brings.

Contact Rosa Mortgages today for expert advice on income protection and safeguard your financial future.

Rosa Mortgages, a trading style of Rosa Mortgages LTD is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
There may be a fee payable for mortgage advice. Our typical fee is £499, but further details can be found on our About Us Page
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
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