Prepare the file

Mortgage after an IVA

An IVA is a formal arrangement. Brokers will ask whether it is ongoing or completed, and for the certificate. There is no approval estimate here.

Date the IVA startedThe proposal date and the approval date can differ. Use the document.
Ongoing or completedA completion certificate is the document for a finished IVA. An ongoing IVA is a different case.
Supervisor's nameThe broker may ask for a statement from them. This page does not contact them.
Debts inside the IVAA debt left outside the arrangement should be listed, not hidden.
Whether a property was dealt with in the IVAEquity clauses are a legal fact. Bring the proposal if you have it.

What this page will not do

Completing an IVA does not restore a file to 'never happened'.
A debt management plan is not an IVA. Use the DMP page for that.
It will not name a lender, a product, or an approval chance.

Questions

How soon after completion can I get a mortgage?: Lenders set their own gaps. MortgageConnector will not quote one.
Can I apply during the IVA?: That is a question for a broker looking at the actual proposal. This page will not say yes or no.

MortgageConnector provides free mortgage research and calculators. If you want personalised advice, we can introduce you to an FCA-authorised mortgage broker. We do not provide regulated mortgage advice ourselves.

The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Want a broker to look at your own numbers?

An FCA-authorised broker can look at your income, credit and the property. MortgageConnector will introduce you. We do not recommend a mortgage.

Match me with a broker experienced with IVAs