Get Expert IVA Mortgage Help 

Our experienced mortgage brokers have access to niche lenders who specialise in IVA mortgages. We can help if  you...
  • Need a mortgage or remortgage after completing an IVA
  • Want to remortgage to settle your IVA
  • Have been declined by your high street bank or elsewhere
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Apply in just 60 seconds.  There's no-obligation!
1 Whole Of Market Advisors
2 Specialist Lenders
3 Online Tracker & SMS Updates
4 Adverse Credit Experts

To get started: Click on the type of mortgage you want below?

Step 2: Tell us about the property you need a mortgage for...

Step 3: Tell us about your financial status...

Step 4: Tell us about your credit history...

Final Step: Details about you, for your quote.

Estimated property value?


How much would you like to borrow?


Employment Status

Self Employed

Any other debts?

Yes, less than £5.000
Yes, more than £5.000

Annual Salary or Income (£)

Which of these credit problems apply to you?

I have missed or defaulted on payments
I have had County Court Judgements (CCJ’s) against me
I have been discharged from bankruptcy
I have an IVA
I have a low credit score

Did your bad credit event happen in the last 2 years?


Please provide brief details:

First Name:

Last Name:

House or Flat Number:




Alternative Tel:

By submitting this form you agree to be contacted by one of our friendly FCA Authorised Advisors so your case can be properly assessed. You also agree to our Terms & Conditions and Privacy Policy.

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Frequently asked questions

1 How quickly will I get a decision?

We can usually obtain a Decision in Principle (DIP) from a lender within 24 hours, and often the same day.

2 How much deposit will I need?

The deposit required will be determined by how recent and how severe the bad credit is. Every case is different and much will depend on your individual circumstances.  For example, for one missed credit card payment 3 years ago, you may only need a 5% deposit.  However if you were discharged from bankruptcy within the past year, the lender may only be willing to lend at 60% LTV, due to the perceived higher risk. So a 40% deposit may be necessary.

3 What are my chances of getting a mortgage with bad credit?

This will depend on the specific circumstances of your case and the severity of the bad credit. But as a general rule of thumb, your chances are good if the credit event (missed payment, ccj, iva, discharge from bankruptcy etc) occurred more than 2 years ago.

If it was less than 2 years ago, we may still be able to help but you will be restricted in the number of lenders and products available.  Fees and APR's may also be higher.

4 I've just been declined for a mortgage elsewhere. Can you help?

Yes. The brokers we work with have access to specialist niche lenders who cater to the adverse credit mortgage market. So even if you've been declined recently by a high street bank or other lender, it's still worth getting in touch.

5 I'm an ex-bankrupt, can you help me get a mortgage?

It depends how long ago you were discharged. If it less than 2 years ago, we may be able to help but you should be aware that the few mortgage providers prepared to lend will demand much higher fees and interest than normal, as well as a larger deposit. 

Once you've been discharged for a couple of years, other lenders will be willing to lend, at more favourable terms. If you've been discharged for 4 years, you should find mortgages comparable to mainstream deals are available.

6 Do I need a copy of my credit report before I contact you?

No, not at all.  However we will need to look at your credit report to assess your circumstances properly. So we recommend you download your credit file from one of the main credit rating agencies asap.