Mortgage After IVA Discharged UK — Your Options in 2026

Getting a mortgage after your IVA is discharged is achievable with specialist lenders. Darryl Dhoffer explains exactly what is possible. 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 Discharged · Specialist Lenders Available

Mortgage After IVA Discharged You Have More Options Than You Think

Placement difficulty Straightforward with the right lender

Good chance with specialist lenders

Darryl Dhoffer

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

Having your IVA discharged opens mortgage options that were not available during the IVA period. Once discharged you are no longer subject to the IVA restrictions and lenders assess you based on your current financial situation alongside the historical IVA.

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🏦 What Lenders Look At

When the IVA was discharged — more time since discharge the better
When the IVA started — underlying defaults typically 5-6 years old by discharge
Whether you have maintained clean credit since discharge
Your current income and affordability
Deposit — typically 15-25% depending on time since discharge

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Annual income (or joint income)

Deposit or equity available

Credit situation

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❓ Common Questions

How long after an IVA is discharged can I get a mortgage?

You can apply immediately after IVA discharge. In practice the best time is 1-2 years after discharge — long enough to have demonstrated clean credit behaviour post-IVA.

Will the IVA still show on my credit file after discharge?

Yes. The IVA will remain for 6 years from the date it was registered. The discharge is noted on the file.

Does my IVA supervisor need to confirm anything?

No. Your IVA supervisor involvement ends at discharge. You will need to provide your discharge certificate to the lender.

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.