Mortgage During an IVA — Is It Possible UK Guide

Can you get a mortgage while in an IVA? It is rarely possible without IVA supervisor permission. Darryl Dhoffer explains honestly. 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.

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Mortgage During an IVA The Honest Answer

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Darryl Dhoffer

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

Getting a mortgage while actively in an IVA is significantly restricted. As part of the IVA agreement you are typically required to obtain permission from your IVA supervisor before taking on any new credit including a mortgage. Without this permission taking out a mortgage would be a breach of your IVA.

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🏦 What Lenders Look At

Written permission from your IVA supervisor before any application
Whether the mortgage is genuinely necessary
Whether the mortgage payments can be accommodated within your IVA plan
Deposit held in a separate account and not forming part of IVA assets
Evidence from IVA supervisor if required by lender

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Annual income (or joint income)

Deposit or equity available

Credit situation

In an IVA? Speak to your supervisor first then speak to Darryl

This requires careful lender matching but solutions do exist. WhatsApp me and I will be honest about your options.

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❓ Common Questions

Do I need permission to get a mortgage while in an IVA?

Yes in almost all cases. Your IVA agreement prevents you from taking on new credit above a certain threshold without your supervisor permission. A mortgage falls under this restriction.

What happens if I get a mortgage while in an IVA without permission?

This would be a breach of your IVA terms and could result in the IVA failing. A failed IVA can lead to bankruptcy proceedings.

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.