Mortgages with an IVA

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Can I get a mortgage with an IVA?

Yes, you can get a mortgage with an IVA on your credit file. But it can be more difficult compared to someone without one. Most mortgage lenders don’t like applicants to have an IVA on their credit file because it signals to them you’ve had credit issues in the past. So an IVA does make it more difficult to get approved for a mortgage, but only because a lot of mainstream lenders won’t consider you. 

Luckily, there are specialist lenders who’ll consider you and look at the specific details of your credit history. Unlike a lot of mainstream lenders, they’ll make a decision based on your current situation and ability to make repayments, rather than seeing you have an IVA on your credit file and instantly refusing you. 

To get a mortgage with an IVA on your credit file, you should speak to a specialist IVA mortgage broker who has the right experience to help you. They’ll know the specialist lenders who’ll consider you and which ones will offer the most competitive mortgage rates. Get started.

Got questions?

What is an IVA?

How does an IVA affect my credit history?

How long does an IVA stay on my credit file?

Do I have to declare an IVA on a mortgage application?

How soon after an IVA can I get a mortgage?

Do I need to put down a higher deposit or pay a higher rate of interest after an IVA?

Should I improve my credit score before applying for a mortgage?

How can I improve my credit score after an IVA?

How do I remortgage with an IVA?

Can you lose your home with an IVA?

Can I sell my house while in an IVA?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

Read our story
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We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.

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Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.

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Your success is our success

We only get paid when your mortgage is approved.

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Our Guides

Applying for a mortgage or understanding your options shouldn't be confusing, yet there are just so many myths doing the rounds and it's not easy to know where to turn to get the right advice.

Get connected to a specialist IVA mortgage broker who can make a mortgage possible for you.

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