Can I get a mortgage while still in an IVA?

Yes, some specialist lenders will consider applications during an active IVA, but you'll need written permission from your Insolvency Practitioner. Expect to need a 25-30% deposit and higher interest rates during an active IVA.

How long does an IVA stay on my credit file?

An IVA remains on your credit file for 6 years from the date it started. This means if your IVA lasts 5 years, it will drop off your file around 1 year after completion.

What deposit do I need for a mortgage after an IVA?

During an active IVA, expect to need 25-30% deposit. After IVA completion, 15-20% is more typical. As years pass since completion and the IVA drops from your credit file, deposit requirements approach normal levels.

Will my IVA completion certificate help get a mortgage?

Yes, having your IVA completion certificate is essential evidence that your IVA has ended. Lenders will want to see this document, along with evidence of a clean payment record since your IVA completed.

Quick Answer

How Soon Can I Get a Mortgage After an IVA?

Last reviewed: December 2025

Reviewed by Jay Sabine – CeMAP Qualified – 29 years experience

You can get a mortgage during an IVA with specialist lenders, but options improve significantly after completion.

Some specialist lenders will consider mortgage applications while you're still in an active IVA, though this requires permission from your Insolvency Practitioner. Most borrowers find it easier to wait until the IVA is completed (typically 5-6 years). After completion, your options expand considerably, especially 1-2 years post-completion.

Your home may be repossessed if you do not keep up repayments on your mortgage. Your Home Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA 989177).

Key Points

1You can apply during an IVA but need IP permission
2Most IVAs last 5-6 years before completion
3Specialist lenders may require 25-30% deposit during an IVA
4Options improve immediately after IVA completion
5IVA stays on credit file for 6 years from start date
6Maintaining all IVA payments is crucial for approval

Eligibility Criteria

If active IVA: permission from Insolvency Practitioner required
All IVA payments must be up to date
Deposit typically 20-30% during active IVA
Deposit 15-20% after IVA completion
Stable income to demonstrate affordability
No other credit issues since IVA began

Typical Timeframe

An IVA typically lasts 5-6 years. It remains on your credit file for 6 years from the start date. After completion, you can immediately apply to more lenders. 2-3 years post-completion, you may access near-mainstream rates.

Next Steps

1If in active IVA, speak to your IP about mortgage permission
2Check how long until your IVA completes
3Maintain all IVA payments without fail
4Start saving for a deposit if not already
5Consult a specialist broker who understands IVA mortgages

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How Soon Can I Get a Mortgage After an IVA?

Key Points

Eligibility Criteria

Typical Timeframe

Next Steps

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