Mortgage After a Completed IVA: 2 Years On, 15% Deposit UK

Mortgage After a Completed IVA

Quick answer — Can I get a mortgage about two years after completing an IVA with a 15% deposit? Often yes, with a specialist lender, but the deposit matters. Expect to need 25% to 30% if the IVA is active or recently discharged. A 15% deposit is more realistic the longer ago the IVA completed and the cleaner your credit since, and fewer lenders will consider it. Approval depends on your income and credit file since completion, so check criteria with a UK-wide specialist broker before you apply.

Updated 30 October 2026

Your Circumstances at a Glance

IVA status	Completed (discharged)
Completed	About 2 years ago
Deposit	About 15% (85% loan to value)
Purpose	Buying a home
Overall view	A 15% deposit is at the low end. 25% to 30% is typical if the IVA is active or recently discharged, and more lenders open up with a larger deposit, more time since completion and clean credit since.

Which Lenders May Consider a Completed IVA?

High street lenders usually decline an IVA through automated credit scoring before a person reviews the case. Specialist lenders assess the full picture, including what happened, when, how much, and your finances now. Lenders named on our own lender pages as considering IVA applications include Loughborough Building Society, Bluestone and Together Money. Criteria change and vary by lender, so confirm current criteria before you apply.

See mortgage after IVA completion, how long after an IVA and the most lenient lenders.

Completed IVA vs Active IVA

	Completed IVA	Active IVA
Lender choice	Specialist lenders	Very limited
Deposit	25% to 30% if recently discharged	25% to 30%
Extra step	Completion certificate	Insolvency practitioner consent

What Could Still Cause a Decline

Missed payments or new defaults since the IVA completed.
An 85% loan to value narrowing lender choice.
Income and affordability.
Automated scoring at a high street lender.

If you are declined, see what to do next.

What to Ask Any Broker

Are you FCA authorised? Check the FCA Register.
Which lenders suit my situation, and why?
What is your fee, and when is it payable? Is anything charged upfront?
Will you check criteria before any credit search?
Can I see reviews from clients with similar circumstances?

The Mortgage Geezer (Darryl Dhoffer, CeMAP and CeRER, FCA No. 301173) works UK-wide. There are no upfront fees: the only fee is £750 to £995, payable once your mortgage is agreed and offered. The initial assessment is free with no credit search. See who we are, 52 Google reviews rated 5.0, an IVA mortgage case study.

Frequently Asked Questions

Can I get a mortgage after a completed IVA? ›

Yes, often. Once an IVA is completed, specialist lenders will consider applications, and options widen as time passes and your credit improves. There is no fixed minimum wait. Approval depends on your income, deposit and what has happened on your credit file since completion.

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

It varies by lender and by how long ago the IVA completed. Expect 25% to 30% if the IVA is active or recently discharged. A lower deposit becomes more realistic as time passes since completion and with clean credit since, and more deposit opens more lenders and better rates. See IVA mortgage deposit requirements.

Is a 15% deposit enough after an IVA? ›

It can be in some cases, but it is the low end. A 15% deposit means an 85% loan to value, which leaves fewer specialist lenders than 25% to 30%, particularly if the IVA only completed recently. More time since completion and clean credit since help.

Can I get a mortgage during an active IVA? ›

Only sometimes. A small number of specialist lenders may consider an active IVA, usually with a larger deposit and your insolvency practitioner's written consent. Most people find it easier to wait until the IVA has completed. See mortgage during an IVA.

How long does an IVA stay on my credit file? ›

An IVA is recorded on your credit file for six years from the date it started. Lenders also look at how long ago it completed and what has happened since.

Which UK brokers are most suitable for a mortgage after an IVA? ›

Look for an FCA-authorised broker who specialises in adverse credit, can access specialist lenders, explains the fee and when it is due, and checks lender criteria before any application. The Mortgage Geezer, FCA No. 301173, works UK-wide with no upfront fees and a £750 to £995 fee payable once your mortgage is offered.

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01234 237321 contact@themortgagegeezer.co.uk FCA No. 301173 52 Five-Star Reviews

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Mortgage After a Completed IVA (2 Years On)