How to get a mortgage

after an IVA

Trustpilot

Over 1,000 reviews. Rated "Excellent"

Getting a mortgage loan after an IVA

An Individual Voluntary Agreement (IVA) is often the only remaining option for those who are in debt and wish to avoid bankruptcy. It allows a borrower to arrange a reasonable, affordable payment plan with their creditors, that will enable them to settle what they owe over the course of a few years.

Understandably, many mainstream mortgage lenders are reluctant to lend to people with an IVA history, as it highlights an increased risk of non-payment. But at CLS Money, we work with a number of specialist mortgage lenders who are willing to offer a mortgage to a borrower who has or previously had an IVA.

We will compare deals on mortgage loans from a variety of companies before suggesting a lender who is likely to accept your application, and once your application has been submitted and successfully approved, we’ll make sure all the relevant paperwork is completed accurately and on time, and speak to your estate agents and/or solicitors to make sure everything is in order and ready for the target completion date.

If you have previously struggled to secure a mortgage due to a history of missed payments, or you’re concerned that your financial history will affect your eligibility for a home loan, you’ll benefit from honest, professional advice from our team.

For more information on getting a mortgage with or after an IVA, contact our expert brokers today.

Quickly see how likely you are to be ACCEPTED FOR A MORTGAGE before you apply

Can I get a mortgage?

6 reasons to choose CLS Money

Mortgages that suit you

Mortgages that suit you

No matter your circumstances, we are here to get the right mortgage for you.

Appointments at your convenience

Appointments at your convenience

We can meet you seven days a week from 8am to 8pm at a place that suits you, whether it be at your home, place of work or our offices.

Free of charge, no obligation advice

Free of charge, no obligation advice

Our advice is completely free and there is no obligation to proceed with us if you are not entirely satisfied with the mortgages we recommend

At your side

At your side

We handle the entire mortgage application process through to completion, liaising with your lender, solicitor and estate agent to deliver a smooth, stress-free experience

With you all the way

With you all the way

As a responsible broker, we want your mortgage to always be the best fit for you. So when it's time to review it, we will be here to help.

Protecting what matters most

Protecting what matters most

We provide tailored life and home insurance solutions, so you can be assured that your loved ones and possessions are protected.

Your Mortgage

Download the CLS Money App for FREE now

Track the progress of your mortgage application via our App and much more

  • Instantly message the team and keep up to date with your application
  • Upload and share documents for quicker decisions
  • Verify yourself faster with advance biometrics for proving your identity
  • Sign documents immediately on your smartphone
App Store Google Play

Why over 1,000 customers consistently rate us "Excellent"

Receive a personalised FREE mortgage quote

Get started

Did we mention we're award winners?

Speak to a member of the CLS Money team now

Ready to discuss your bad credit mortgage options?

Contact us

< Gemma May Senior Mortgage Advisor

Why Us?

  • Expert advice
  • All credit considered
  • Free quotes
  • No obligation
Get Started
Contact us today

Free mortgage advice

Access to 120+ lenders

5-star rated service

Phone 01268 931611