Home › Mortgage with an IVA — What You Need to Know in 2026
Adverse Credit Mortgage UK Whatever's On Your File
Darryl Dhoffer
CeMAP · CeRER · FCA 301173 · ⭐ 48 Reviews
"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."
An IVA — active or completed — doesn't permanently close the door to a mortgage. Specialist lenders have specific criteria for IVA applications. Here's what you need to know.
Being declined feels personal. It isn't — banks use computers. Darryl uses judgement.
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⭐⭐⭐⭐⭐ 48 Google Reviews🏆 Award-Winning Broker🏦 65+ Lenders📞 01234 237321✅ FCA Regulated📰 Daily Express · The Intermediary · Daily Mirror
KEY FACT
The most important date is when your IVA drops off your credit file — 6 years from start date, not completion date. If your IVA started in 2020, it clears in 2026 regardless of when it completed. From that point, you may access near-mainstream lenders.
Adverse Credit Mortgage Timeline — What's Possible When
During IVA — Very Limited
IVA supervisor consent required. Essentially not possible except in specific windfall scenarios.
IVA Complete — 0 to 12 months
Very few lenders. 20%+ deposit required. Pepper Money and Together Money are the primary options.
IVA Complete — 12 to 36 months
Bluestone and Kensington become available. Rates improve. 15-20% deposit typically needed.
IVA Complete — 3 to 6 years old
Wider specialist lender access. Rates approach near-mainstream. 10-15% deposit may be sufficient.
6 years from IVA start — IVA drops off file
IVA no longer visible to lenders. Near-mainstream rates available. This is the full recovery point.
Adverse Credit Mortgage FAQs
Do I need my IVA supervisor's permission to get a mortgage?
During an active IVA, yes — your supervisor's permission is required for any new credit including a mortgage. After your IVA completes, no permission is needed.
My IVA completed 18 months ago. Which lenders will consider me?
Bluestone Mortgages will consider applications from IVA completion with a 20%+ deposit. Kensington typically requires 2+ years post-completion. Pepper Money assesses on an individual basis. Darryl will identify the most suitable current options.
Can I remortgage if I am currently in an IVA?
Remortgaging during an IVA requires your supervisor's consent and raises questions about equity (which may be subject to the IVA equity release clause). This needs careful handling — speak to Darryl before approaching any lender.
About Darryl Dhoffer
CeMAP and CeRER qualified independent mortgage broker. FCA regulated — No. 301173. Based in Bedford, serving clients across the UK since 2015. Specialises in adverse credit, complex income and specialist mortgage cases. Every client works directly with Darryl — no handoffs, no call centres.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT. This page is for general information only and does not constitute regulated financial advice. The Mortgage Geezer is a trading style of Access Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 301173. Registered in England No. 04427489. Registered office address Access Financial Services Ltd, Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN.
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Free, no-obligation call. No credit check. Darryl responds personally within 2 hours Mon–Fri 9am–6pm.
IVA and mortgage — it's more possible than you think
Darryl has arranged mortgages for people in active IVAs and those who have completed one. Your situation may have more options than you realise. Free check.
