Being in an Individual Voluntary Arrangement (IVA) or having a current or discharged bankruptcy doesn’t automatically rule out homeownership. While high-street lenders may say no, specialist mortgage providers assess your current financial stability, discharge status, and deposit strength — making mortgages possible sooner than many people expect.
Many lenders consider applicants once bankruptcy or an IVA has been completed and financial stability is proven.
The longer the gap since discharge, the more mortgage options become available.
Lenders focus heavily on current income, expenditure, and deposit rather than past insolvency alone.
We specialise in helping clients during or after insolvency access lenders who take a fair, real-world view of affordability and risk.
We work with lenders who actively consider IVA and bankruptcy cases.
We help structure deposits and product choices to meet lender risk criteria.
We assess whether to apply now or wait to improve approval odds and rates.
From paperwork to negotiations, we manage the process to avoid unnecessary rejections.
What Our Clients Say
Your IVA & Bankruptcy Mortgage Questions Answered
In limited cases, yes — with specialist lenders and usually a higher deposit.
Some lenders consider applications 12 months after discharge, depending on circumstances.
Yes, if you are currently in an IVA, written consent is usually required.
Rates may be higher initially, but refinancing options often improve over time.
Whether you’re currently in an IVA or recently discharged from bankruptcy, expert guidance can open doors you didn’t know existed.
3110 Feathers Hooves Drive
Selden, New York 11784
hello@agency.com
631-696-7601
