How Long After an IVA Can I Get a Mortgage UK Guide

How long do you need to wait after an IVA before getting a mortgage? The honest guide from Darryl Dhoffer. FCA 301173.

Can I get a mortgage with a CCJ in the UK?

Yes. A CCJ does not automatically prevent you from getting a mortgage in the UK. The key factors are how old the CCJ is, the amount, and whether it has been satisfied (paid off). Many specialist lenders will consider CCJs that are 12 months or older, and after 3 years your options increase significantly. Darryl Dhoffer specialises in CCJ mortgages and knows exactly which lenders will consider your specific situation.

How old does a CCJ need to be to get a mortgage?

Some specialist lenders will consider CCJs from as recent as 12 months ago. After 2-3 years, more options become available. After 6 years the CCJ drops off your credit file entirely. The key factor alongside age is whether the CCJ has been satisfied — a paid-off CCJ is viewed much more favourably than an outstanding one.

Do I need to pay off my CCJ before getting a mortgage?

Not necessarily, but satisfying your CCJ significantly improves your options. Some lenders require satisfaction before they will lend; others will consider unsatisfied CCJs depending on the age and amount. Darryl will advise on whether settling your CCJ before applying makes financial sense for your specific situation.

What deposit do I need for a CCJ mortgage?

Most specialist CCJ lenders want at least 10-15% deposit, though this depends heavily on the age and amount of the CCJ. With a 25% deposit your options improve significantly. Darryl has secured CCJ mortgages with smaller deposits in cases where the CCJ is old, small or satisfied.

Will a CCJ mortgage cost me more?

CCJ mortgages typically carry slightly higher interest rates reflecting the lender's perception of risk. However, the difference is often smaller than people expect — and as your credit improves and the CCJ ages, you can remortgage onto better rates. Darryl will show you the best available rate for your CCJ situation and create a plan for future improvement.

⏰ IVA Timing Guide · Honest Answer

How Long After an IVA Can I Get a Mortgage?

Placement difficulty Straightforward with the right lender

Good chance with specialist lenders

Darryl Dhoffer

CeMAP · CeRER · FCA 301173 · ⭐ 47 Reviews

"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."

There is no fixed minimum waiting period to get a mortgage after an IVA but the timing makes a significant difference to your options and rates. An IVA typically lasts 5-6 years. By the time it is discharged the underlying defaults are already approaching the 6-year mark.

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🏦 What Lenders Look At

Whether the IVA is discharged
How long since the IVA was registered and discharged
Clean credit behaviour since discharge
Deposit size
Current income stability

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Annual income (or joint income)

Deposit or equity available

Credit situation

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❓ Common Questions

When will an IVA come off my credit file?

An IVA is removed 6 years from the date it was registered not the date it was discharged.

Can I remortgage immediately after my IVA is discharged?

If your current lender offers a product transfer this is often the simplest option and may not be affected by your IVA at all.

The Mortgage Geezer is a trading style of Access Financial Services Limited, authorised and regulated by the Financial Conduct Authority — FCA No. 301173. Registered in England No. 04427489.

Your home may be repossessed if you do not keep up repayments on your mortgage.

This page is for general information only and does not constitute regulated financial advice. Individual circumstances vary. Lender criteria are subject to change without notice.