Mortgage With an IVA in Rugby — Specialist Help Available
An IVA doesn't have to close the door on a mortgage in Rugby. Darryl Dhoffer works with lenders who assess IVA applications individually — whether it's active, recently completed, or aged off your credit file entirely.
🏦 What Lenders Look At
- Whether the IVA is active or discharged
- When the IVA was registered and discharged
- Clean credit since IVA discharge
- Deposit — typically 15-25% depending on IVA status
- Current income and affordability
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🎯 Get My Free Score →❓ Common Questions
Can I get a mortgage while still in my IVA?
It's difficult but not impossible. You'll need your Insolvency Practitioner's written permission, and the main challenge is usually raising a deposit while your income is committed to IVA payments.
Do I need to disclose an old IVA even after six years?
If a mortgage application asks directly whether you've ever had an IVA, you must answer honestly — even if it's no longer visible on your credit file. Non-disclosure is considered fraud.
Which lenders in Rugby consider IVA applications?
Specialist lenders including Kensington, Pepper Money, Bluestone and Together all consider IVA cases, though criteria vary significantly — most only accept applications through regulated brokers.
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.