Understand your position
We review your goals, income, commitments, deposit or equity and timescale.
SPECIALIST PROPERTY FINANCE
Mortgages after an IVA
Specialist advice for buying or remortgaging after an individual voluntary arrangement. Speak to an adviser who will assess your full circumstances, not just a headline number.
No obligation · Initial conversation does not affect your credit score
Written and reviewed by Smart Mortgages specialistsReviewed 21 August 2026 · FCA reference 912358
Read our complete credit-impaired mortgage guide →
How we help with mortgages after an iva
Finding the right funding is about more than comparing rates. Property type, rental or trading income, experience, valuation and ownership structure can all change the outcome.
Compare suitable options
We assess lender criteria, overall cost and suitability, not only the initial rate.
Manage the application
Your adviser and case manager keep the lender, valuation and legal process moving.
Plan the route forward after an IVA
The completion date, conduct during the arrangement, deposit and rebuilding of credit all influence mortgage choice after an IVA.
Completion date
Rules differ depending on how long ago the IVA completed.
Completion evidence
Keep the completion certificate and accurate credit-file records available.
Deposit or equity
A stronger deposit can widen specialist options.
Rebuilt conduct
Stable finances since completion help show the issue is no longer ongoing.
Your Smart Mortgages contact
Aaron reviews IVA and other specialist-credit cases.
Plan the route forward after an IVA FAQs
Can I get a mortgage after an IVA?
Potentially. Time since completion, credit record, deposit, affordability and the wider case determine the options.
Can I apply while an IVA is active?
Options are very limited and consent may be required. Specialist assessment is essential.
What evidence will I need?
Expect standard income evidence, a credit report and documents confirming the IVA status and completion where applicable.
Specialist knowledge that can make the difference
Our team regularly works with IVA mortgages, completed IVAs and adverse-credit lending. If a lender or another broker has already said no, that does not always mean there is no route forward. We can review your circumstances and whether a different lender or structure may be appropriate.
Frequently asked questions
How much can I borrow?
It depends on the property, income or rent, deposit or equity, experience, credit profile and lender policy. We provide a case-specific assessment.
Does an initial conversation affect my credit score?
No. An initial discussion with our team does not involve a lender credit search.
Can you help throughout the UK?
Yes. Our branches cover Northern Ireland and Scotland, and we advise clients across the UK.