Award-Winning Bad Credit Specialist · FCA No. 301173
Mortgage After IVA Completion Your Next Steps
Completing an IVA is a major achievement. Getting a mortgage after your IVA is completed is more achievable than most people believe. Darryl Dhoffer explains exactly what is possible.
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Mortgages After IVA Completion — What Changes
Completing an IVA is a significant financial milestone. Once your IVA is marked as satisfied on your credit file your mortgage options improve considerably compared to during the IVA itself.
The key factors are how long ago the IVA was completed what your credit file shows since completion the deposit you have available and your current income stability. Darryl Dhoffer regularly helps clients get mortgages within 12-24 months of IVA completion.
Darryl Dhoffer — The Mortgage Geezer
20+ years in mortgages. Award-winning specialist. Featured in the Daily Express, FT Adviser and The Intermediary. I have helped hundreds of people across the UK who were told no by their bank — and I work with 65+ lenders including specialist adverse credit lenders you will not find on comparison sites.
When you contact me, you speak to me directly. No call centres. No being passed around. I personally review every case and respond within 2 hours.
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Frequently Asked Questions
Can I get a mortgage after my IVA has been completed? ›
Yes and often sooner than people expect. Once your IVA is marked as satisfied completed specialist lenders will consider mortgage applications. The timing depends on your overall financial picture. Darryl Dhoffer has helped clients get mortgages within 12 months of IVA completion. The key is a clean financial record since completion and a suitable deposit.
How long after an IVA can I get a mortgage? ›
There is no mandatory waiting period but in practice most specialist lenders want to see at least 12 months since IVA completion with a clean credit record since. The longer since completion the better. After 2-3 years your options expand considerably. Darryl will give you an honest assessment based on your specific IVA completion date and financial situation since.
How much deposit do I need after an IVA? ›
Most specialist lenders require a minimum of 15-25% deposit for applications within 3 years of IVA completion. The exact amount depends on when the IVA was completed and the rest of your financial profile. After 3+ years since completion some lenders will consider 10-15% deposit.
Does an IVA show on my credit file after completion? ›
Yes. A completed satisfied IVA stays on your credit file for 6 years from the original registration date not from the completion date. So if your IVA was registered in 2020 and completed in 2025 it will drop off in 2026. Once it drops off your credit file your mortgage options improve dramatically.
What should I do to prepare for a mortgage after my IVA? ›
Key steps include ensuring your IVA is marked as satisfied on all three credit files registering on the electoral roll building a positive credit history with a credit-builder card used responsibly maintaining stable employment and income and saving as large a deposit as possible. Darryl will review your credit files and give you a personalised action plan.
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darryl@themortgagegeezer.co.uk
FCA No. 301173
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The Mortgage Geezer is a trading style of Access Financial Services Limited, authorised and regulated by the FCA No. 301173. Your home may be repossessed if you do not keep up repayments on a mortgage.
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Lender criteria, rates and deposit requirements quoted on this page are indicative and subject to change without notice. Individual circumstances vary. This page provides general information only and does not constitute regulated financial advice. Darryl Dhoffer is authorised and regulated by the Financial Conduct Authority — FCA No. 301173. Access Financial Services Ltd, registered in England No. 04427489. Your home may be repossessed if you do not keep up repayments on your mortgage.