Mortgage After Iva
Mortgage After IVA Kent
If you’ve entered or completed an Individual Voluntary Arrangement (IVA), you may be concerned that getting a mortgage is no longer possible. While an IVA does have a significant impact on your credit profile, securing a mortgage after IVA can still be achievable with the right advice, lender and preparation.
At Future Interests, we regularly help clients who have been through an IVA understand their mortgage options and take positive steps towards homeownership. Based in Herne Bay and supporting clients across Kent and beyond, we provide clear, supportive advice tailored to your individual circumstances.
Last updated: 2nd Febuary 2026
What Is an IVA and How Does It Affect a Mortgage?
An IVA is a formal agreement with creditors to repay debts over a set period, usually five or six years. During this time, and for a period afterwards, the IVA is recorded on your credit file and will be visible to mortgage lenders.
Because an IVA represents a serious past financial difficulty, most high-street lenders are unlikely to offer a mortgage while it is active or shortly after completion. However, specialist lenders take a more flexible approach and assess applications based on your current financial stability rather than past issues alone.
Can You Get a Mortgage After an IVA?
Yes, it may be possible to get a mortgage after an IVA, particularly once the IVA has been completed and satisfied. Lenders will look at how much time has passed since completion, how your finances have been managed since, and whether you can demonstrate affordability.
Every case is different, which is why tailored advice is essential before applying.
How Long After an IVA Can You Apply for a Mortgage?
The timeframe for applying for a mortgage after an IVA varies depending on the lender. Some specialist lenders may consider applications shortly after completion, while others prefer a longer period to have passed. Once the IVA has dropped off your credit file, typically after six years, your options may widen further.
Applying too early or to the wrong lender can result in unnecessary declines, so timing is key.
What Do Lenders Look At for a Mortgage After IVA?
When assessing a mortgage after IVA, lenders focus on how long ago the IVA was completed and whether it has been fully satisfied. They will also consider your deposit size, as a larger deposit can reduce lender risk and improve your options.
Income stability and affordability are equally important. Demonstrating reliable income and responsible financial management since completing the IVA can significantly strengthen an application.
Improving Your Chances of a Mortgage After IVA
Rebuilding your credit profile after an IVA takes time. Making all current payments on time, keeping credit commitments low and avoiding unnecessary credit applications can all help. Checking your credit report to ensure the IVA is marked as completed is also an important step. Speaking to a mortgage broker before applying allows you to understand your position and avoid damaging your credit further.
Why Use a Mortgage Broker for a Mortgage After IVA?
Mortgages after IVA are usually arranged through specialist lenders, many of whom do not deal directly with the public. A mortgage broker can assess your circumstances, identify suitable lenders and guide you through the application process.
This helps reduce the risk of rejection and ensures your mortgage is structured in a way that supports both your immediate needs and long-term goals.
Why Choose Future Interests?
Clients choose Future Interests for mortgage advice after an IVA because we offer a supportive, no-judgement approach alongside honest, realistic guidance. We have experience working with adverse credit cases and take the time to explain your options clearly.
Our aim is to help you move forward confidently, whether you’re planning to buy your first home, move house or remortgage after completing an IVA.
Speak to Future Interests About a Mortgage After IVA
If you’re exploring your options, getting advice early can make a real difference. At Future Interests, we’ll review your circumstances, assess your affordability and guide you towards the most suitable mortgage options available.
Contact Future Interests today to discuss your situation in confidence and take the next step towards homeownership.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
Some Buy-to-Let mortgages are not regulated by the FCA.
A Buy-to-Let mortgage will be secured against your property.
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Frequently Asked Questions
Can I get a mortgage if my IVA is still active?
In most cases, it is very difficult to obtain a mortgage while an IVA is still active. Some specialist options may exist, but these are limited and highly dependent on circumstances.
Will I need a larger deposit after an IVA?
Often, yes. Many lenders require a higher deposit for mortgages after IVA to reduce risk.
Will interest rates be higher after an IVA?
Initial rates may be higher, but many borrowers are able to remortgage to more competitive deals once their credit profile improves.
Can I remortgage after completing an IVA?
Remortgaging after an IVA may be possible, depending on equity, income and how long ago the IVA was completed.
