Can I Get a Mortgage After an IVA?

It's Possible — But Takes Time

Getting a mortgage after an IVA is challenging while the IVA is active and for some time after, but it is certainly possible. The timing depends on when the IVA entry drops off your credit file and how much you have rebuilt your credit in the meantime.

The 6-Year Credit File Window

Your IVA will remain on your credit file for six years from the start date. During this period, mainstream high street lenders (Barclays, HSBC, NatWest etc.) will generally decline mortgage applications. However, some specialist or "adverse credit" mortgage lenders may consider applications even while the IVA entry is present — though rates will be considerably higher.

After the IVA Drops Off

Once the six-year period has passed and the IVA is removed from your credit file, mainstream lenders become accessible again — provided you have been rebuilding your credit in the interim. You will need to demonstrate:

• A history of on-time payments on any credit accounts held since the IVA
• A stable employment record
• A sufficient deposit (typically at least 10–20%)
• No other adverse credit entries (CCJs, defaults) more recent than the IVA

Adverse Credit Mortgage Brokers

If you want to explore mortgage options sooner, specialist adverse credit mortgage brokers can access lenders who consider applications from people with past IVAs. Rates will be higher than standard products, and deposits required may be larger (15–25%). As you rebuild your credit and the IVA ages, you can remortgage to better rates.