Mortgage after an IVA: records and next steps
This guide covers England and Wales
The short answer
Finishing an IVA does not promise that a mortgage lender will accept an application. Lenders look at their own criteria, your credit history and what payments you could afford.
The IVA credit-file period runs from its start, not from the last payment. Check your completion paperwork and records before making decisions.
Use the contact details on your own IVA papers. There is nothing to upload or sign up for here.
Checked Sources
Editorial responsibility: IVAs & Bankruptcy — how we check and correct information.
Keep the timelines separate
The Insolvency Service key facts describe a 6 years credit-file period from the start. If your IVA runs longer, check with the record holder rather than assuming automatic removal. The public register entry is removed 3 months after it ends. Completion and record removal are different events.
- Keep the completion certificate and final statement.
- Check the IVA start date and information on credit reports.
- Ask the record holder to investigate errors with evidence.
- Keep any current mortgage payments and secured obligations separate.
What a lender considers
MoneyHelper explains that lenders consider income, spending, employment, credit records and the deposit. Policies differ and can change. There is no universal waiting period or acceptance promise on this page.
We do not compare mortgage products, link to lenders for an application, introduce you to a broker, or predict whether you would be accepted. For a personal decision, seek appropriately regulated advice independently.
If your IVA is still running
Borrowing restrictions may apply under your arrangement. Discuss any proposed borrowing with your existing supervisor before proceeding. Do not use a new loan as a way to meet IVA payments without appropriate advice.
What to do next
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Related guides
- IVA completion certificate: what to checkUnderstand the final payment, completion certificate and separate register and credit-file dates. Check any remaining requirements with your supervisor.
- How an IVA affects your credit recordHow long an IVA stays on your credit file and on the public register, and what that can mean when you want to borrow.
- Find free debt and housing helpFree, independent debt advice and urgent housing help in England and Wales: StepChange, National Debtline, Citizens Advice, Shelter and more.