--- title: "Mortgage With IVA Calculator UK 2026 — Specialist Lender Limits | First Rung Now" description: "Estimate what mortgage you can get during or after an IVA. UK specialist lender LTV, deposit, rate and timing rules, with worked examples and next steps." lang: en-GB json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "First Rung Now", "url": "https://firstrungnow.com", "description": "Independent UK mortgage education and broker matching service.", "address": { "@type": "PostalAddress", "addressCountry": "GB" } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "First Rung Now", "url": "https://firstrungnow.com" }, { "@context": "https://schema.org", "@type": "Article", "headline": "Mortgage With IVA Calculator", "description": "Estimate what mortgage you can get during or after an IVA. UK specialist lender LTV, deposit, rate and timing rules, with worked examples and next steps.", "author": { "@type": "Organization", "name": "First Rung Now" }, "publisher": { "@type": "Organization", "name": "First Rung Now", "url": "https://firstrungnow.com" }, "mainEntityOfPage": "https://firstrungnow.com/mortgage-with-iva-calculator", "datePublished": "2026-06-15", "dateModified": "2026-06-15", "inLanguage": "en-GB" }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://firstrungnow.com/" }, { "@type": "ListItem", "position": 2, "name": "Bad Credit Mortgages", "item": "https://firstrungnow.com/bad-credit-mortgages" }, { "@type": "ListItem", "position": 3, "name": "Mortgage with IVA Calculator", "item": "https://firstrungnow.com/mortgage-with-iva-calculator" } ] }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Can I get a mortgage during an IVA?", "acceptedAnswer": { "@type": "Answer", "text": "Only with permission from your Insolvency Practitioner (IP) and only via a small group of specialist adverse-credit lenders. Most high-street lenders decline outright. Realistic LTV: 70% maximum, rate 7%–9%, deposit must be evidenced as not from creditors." } }, { "@type": "Question", "name": "How long after an IVA can I get a normal mortgage?", "acceptedAnswer": { "@type": "Answer", "text": "From 1 year post-completion (specialist lenders, 70%–75% LTV, rate 6%–8%). At 3 years post-completion with a clean credit file, mainstream specialists open up at 80%–85% LTV. At 6 years the IVA falls off your credit file entirely and high-street rates become accessible." } }, { "@type": "Question", "name": "What deposit do I need for a post-IVA mortgage?", "acceptedAnswer": { "@type": "Answer", "text": "Minimum 15% for specialist lenders within 3 years of completion; 10%–15% from 3–6 years; standard 5%–10% after 6 years. A larger deposit dramatically improves rate and lender choice." } }, { "@type": "Question", "name": "Does the IVA show on my credit file forever?", "acceptedAnswer": { "@type": "Answer", "text": "No — it stays for 6 years from the start date. Once it drops off, you're treated as a standard borrower (provided no new adverse) and high-street rates open up." } }, { "@type": "Question", "name": "Will my partner's IVA affect my mortgage application?", "acceptedAnswer": { "@type": "Answer", "text": "If you apply jointly, yes — both credit files are assessed. If you apply solo and the partner is not on the mortgage, no — but lender may ask about household commitments and a financial association on the credit file can still show." } }, { "@type": "Question", "name": "Can an IVA be settled early to access better mortgage rates?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, with a settlement offer (typically 30%–50% of remaining debt) accepted by creditors. Settlement still shows on your credit file as 'IVA' for the full 6 years from start, but the 'completed' marker improves lender appetite." } } ] } ] --- [Skip to content](#main) [![First Rung Now](/assets/logo-mark-BqLOgqvj.png) First Rung Now UK Mortgage Guides ](/) - Mortgages - Remortgages - Buy To Let - Bad Credit - Calculators - Guides - [Find a Broker](/find-a-mortgage-broker) - [About](/about) [Speak to a Vetted Broker](/find-a-mortgage-broker) 1. [Home](/) 2. [Bad Credit Mortgages](/bad-credit-mortgages) 3. Mortgage with IVA Calculator UK Mortgage Guide # Mortgage With IVA Calculator: UK 2026 Borrowing Estimator An Individual Voluntary Arrangement (IVA) closes most high-street mortgage doors but doesn't end your homeownership chances. Specialist lenders price IVA borrowers individually based on time since IVA, deposit size and current affordability. This guide gives you the calculator logic specialist UK lenders use in 2026 — so you can estimate what you can borrow today, what waiting 12 months gets you, and which lenders to approach. First Rung Now Editorial Updated 15 June 2026 7 min read On this page 1. [Key takeaways](#key-takeaways) 2. [The IVA mortgage calculator logic](#the-iva-mortgage-calculator-logic) 3. [Worked examples](#worked-examples) 4. [Speak with a vetted mortgage broker about getting a mortgage during or after an IVA with a UK specialist adverse-credit broker](#speak-with-a-vetted-mortgage-broker-about-getting-a-mortgage-during-or-after-an-iva-with-a-uk-specialist-adverse-credit-broker) 5. [UK lenders that consider IVA mortgages](#uk-lenders-that-consider-iva-mortgages) 6. [How to maximise your IVA mortgage chances](#how-to-maximise-your-iva-mortgage-chances) 7. [Pros](#pros) 8. [Cons](#cons) 9. [Frequently asked questions](#frequently-asked-questions) 10. [Can I get a mortgage during an IVA?](#can-i-get-a-mortgage-during-an-iva) 11. [How long after an IVA can I get a normal mortgage?](#how-long-after-an-iva-can-i-get-a-normal-mortgage) 12. [What deposit do I need for a post-IVA mortgage?](#what-deposit-do-i-need-for-a-post-iva-mortgage) 13. [Does the IVA show on my credit file forever?](#does-the-iva-show-on-my-credit-file-forever) 14. [Will my partner's IVA affect my mortgage application?](#will-my-partners-iva-affect-my-mortgage-application) 15. [Can an IVA be settled early to access better mortgage rates?](#can-an-iva-be-settled-early-to-access-better-mortgage-rates) 16. [Related guides](#related-guides) 17. [Bad Credit Mortgage Checker](#bad-credit-mortgage-checker) 18. [Poor Credit Mortgage Lenders 2026](#poor-credit-mortgage-lenders-2026) 19. [Bad Credit with a Large Deposit](#bad-credit-with-a-large-deposit) ### Bad credit — related reads Specialist lenders for adverse-credit borrowers. - [Bad credit mortgage checker Place your situation on the lender severity scale and see what a specialist will accept. ](/bad-credit-mortgage-checker) - [Bad credit second mortgage Secured second charges as an alternative to remortgaging when credit has slipped. ](/bad-credit-second-mortgage) - [Bad credit with a large deposit How a 25%+ deposit unlocks rates adverse-credit borrowers thought were closed. ](/mortgage-with-bad-credit-but-large-deposit) - [Contractor mortgages with bad credit Day-rate and limited-company contractors: which specialist lenders will look at you. ](/mortgages-for-contractors-with-bad-credit) - [Poor credit mortgage lenders The specialist UK lenders most willing to price recent adverse credit. ](/poor-credit-mortgage-lenders) Explore the hubs [Mortgages explained](/mortgages)[Remortgages](/remortgages)[Buy-to-let mortgages](/buy-to-let)[Bad credit mortgages](/bad-credit-mortgages)[Mortgage calculators](/mortgage-calculators)[All mortgage guides](/mortgage-guides)[Find a mortgage broker](/find-a-mortgage-broker) ## Key takeaways - During an IVA: max 70% LTV, rate 7%–9%, IP permission required. - 1 year post-IVA: 70%–75% LTV, rate 6%–8%, specialist lenders only. - 3 years post-IVA: 80%–85% LTV, rate 5.5%–7%. - 6 years post-IVA: IVA drops off credit file — high-street rates resume. - Larger deposit dramatically improves rate and lender choice at every stage. ## The IVA mortgage calculator logic Want a vetted broker to help with The IVA mortgage calculator logic? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) Specialist lenders combine three inputs to size your loan: 1. **Time since IVA completion** (or current status if ongoing). 2. **Deposit as a % of purchase price.** 3. **Affordability against income** (typical 4×–4.5× for adverse-credit specialists). The interaction of all three sets the max loan, the rate, and the lender panel. ## Worked examples Bad credit · keep reading - [Bad credit mortgage checker Place your situation on the lender severity scale and see what a specialist will accept. ](/bad-credit-mortgage-checker) - [Bad credit second mortgage Secured second charges as an alternative to remortgaging when credit has slipped. ](/bad-credit-second-mortgage) Browse the full hub: [Bad credit mortgages](/bad-credit-mortgages) Want a vetted broker to help with Worked examples? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) **Case 1: 2 years post-IVA, £40k household income, £30k deposit, £200k property.** - Deposit: 15% — meets specialist minimum. - Loan needed: £170k (85% LTV). - Issue: 85% LTV is borderline at 2 years post-IVA. Realistic max: 80% LTV = £160k loan, £40k deposit needed. - Likely outcome: scale back to £200k purchase with £40k deposit, or wait 12 months for 85% LTV access. - Rate: ~6.5%–7.5% on a 5-year fix. **Case 2: 4 years post-IVA, £55k income, £35k deposit, £250k property.** - Deposit: 14% — close to standard minimum. - Loan: £215k (86% LTV) — possible at 4 years. - Affordability: 4×£55k = £220k — passes. - Rate: ~5.5%–6.5%, lender pool widens significantly. **Case 3: 6 years post-IVA (dropped off file), £50k income, £25k deposit, £250k property.** - Deposit: 10%. - Loan: £225k (90% LTV) — high-street accessible. - Affordability: 4.5×£50k = £225k — passes. - Rate: ~4.7%–5.2% — mainstream pricing. Vetted UK Broker Match ### Speak with a vetted mortgage broker about getting a mortgage during or after an IVA with a UK specialist adverse-credit broker Free, no-obligation introduction to an FCA-regulated adviser with experience in your specific scenario. We've done the due diligence so you don't have to. - FCA-regulated only - Typical reply in 1 working day - No upfront fees [Match me with a broker](/find-a-mortgage-broker) ## UK lenders that consider IVA mortgages Want a vetted broker to help with UK lenders that consider IVA mortgages? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) - **Pepper Money** — specialist adverse, considers ongoing IVAs at lower LTV. - **Vida Homeloans** — tiered adverse pricing, IVA 1+ years post-completion. - **Kensington Mortgages** — established adverse specialist. - **Bluestone Mortgages** — recent adverse including IVA. - **Together Money** — flexible criteria, higher rates. - **Precise Mortgages** — specialist IVA and DMP cases. - **Aldermore** — IVA from 3+ years post-completion. ## How to maximise your IVA mortgage chances Bad credit · keep reading - [Bad credit with a large deposit How a 25%+ deposit unlocks rates adverse-credit borrowers thought were closed. ](/mortgage-with-bad-credit-but-large-deposit) - [Contractor mortgages with bad credit Day-rate and limited-company contractors: which specialist lenders will look at you. ](/mortgages-for-contractors-with-bad-credit) Browse the full hub: [Bad credit mortgages](/bad-credit-mortgages) Want a vetted broker to help with How to maximise your IVA mortgage chances? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) 1. **Build a 6+ month clean payment record** on credit-builder card, rent and utilities. 2. **Save a 15%+ deposit** — every extra 5% widens the lender pool meaningfully. 3. **Use a specialist adverse-credit broker** — these lenders don't deal direct. 4. **Get the IVA completion certificate** ready — every lender wants to see it. 5. **Avoid any new adverse** — even one late payment can close lender doors. 6. **Settle and close the IVA early if possible** — completed IVAs price better than active ones. ### Pros - Specialist lenders genuinely price IVA borrowers, not auto-decline. - Mortgages possible from 1 year post-IVA completion. - Larger deposit unlocks materially better rates. - After 6 years the IVA drops off and high-street rates return. - Specialist broker access transforms outcomes vs going direct. ### Cons - Rates 1.5%–3% above mainstream during and shortly after IVA. - Deposit minimums of 15%–25% for active/recent IVAs. - Most high-street lenders auto-decline anyone with an IVA in last 6 years. - Arrangement fees on specialist products typically 1%–2%. - Re-borrowing during IVA requires Insolvency Practitioner permission. ## Frequently asked questions ### Can I get a mortgage during an IVA? ### How long after an IVA can I get a normal mortgage? ### What deposit do I need for a post-IVA mortgage? ### Does the IVA show on my credit file forever? ### Will my partner's IVA affect my mortgage application? ### Can an IVA be settled early to access better mortgage rates? ## Related guides [ ### Bad Credit Mortgage Checker Place your credit profile on the lender severity scale. Read guide ](/bad-credit-mortgage-checker)[ ### Poor Credit Mortgage Lenders 2026 Full specialist lender list. Read guide ](/poor-credit-mortgage-lenders)[ ### Bad Credit with a Large Deposit How a 25%+ deposit changes the game. Read guide ](/mortgage-with-bad-credit-but-large-deposit) First Rung Now Independent UK mortgage education and broker matching. We don't sell mortgages — we help you understand them, then connect you with vetted advisers. Brokers are FCA-regulated [hello@firstrungnow.com](mailto:hello@firstrungnow.com) ### Hubs - [Mortgages](/mortgages) - [Remortgages](/remortgages) - [Buy To Let](/buy-to-let) - [Bad Credit Mortgages](/bad-credit-mortgages) - [All Calculators](/calculators) - [All Guides](/mortgage-guides) - [Find a Broker](/find-a-mortgage-broker) ### Calculators - [Affordability Calculator](/calculators/affordability) - [Repayment Calculator](/calculators/repayments) - [Loan-to-Value (LTV) Calculator](/calculators/borrowing) - [Remortgage Savings Calculator](/calculators/remortgage) - [First-Time Buyer Calculator](/calculators/first-time-buyer) - [Buy-to-Let Calculator](/calculators/buy-to-let) - [Home Equity Calculator](/calculators/equity) - [Stamp Duty Calculator](/calculators/costs) - [Overpayment Calculator](/calculators/overpayments) - [Rent vs Buy Calculator](/calculators/comparison) - [Self-Employed Calculator](/calculators/specialist) - [Fixed-Rate Expiry Calculator](/calculators/refinance) - [Salary to Mortgage Calculator](/calculators/income) - [Rental Yield & ROI Calculator](/calculators/investment) ### Bad credit & specialist - [Bad Credit Mortgage Checker](/bad-credit-mortgage-checker) - [Poor Credit Mortgage Lenders](/poor-credit-mortgage-lenders) - [Remortgage with Bad Credit](/remortgage-with-bad-credit) - [Bad Credit + Large Deposit](/mortgage-with-bad-credit-but-large-deposit) - [Contractor Bad-Credit Mortgages](/mortgages-for-contractors-with-bad-credit) - [First-Time Buyer Adverse Credit](/first-time-buyer-adverse-credit-mortgages) - [MIP with Bad Credit](/mortgage-in-principle-bad-credit) ### Buy-to-let & bridging - [Best HMO Mortgage Lenders](/best-hmo-mortgage-lenders) - [Holiday Let Mortgages](/holiday-let-mortgages-best-rates) - [Limited Company BTL](/landlord-misconceptions-limited-company-btl) - [BTL Houses Sheffield](/buy-to-let-houses-sheffield-mortgage) - [BTL Interest-Only Calculator](/buy-to-let-interest-only-calculator) - [Bad Credit Bridging Loan](/bad-credit-bridging-loan) - [Bridging Loans for Bad Credit](/bridging-loans-for-bad-credit) ### Rates, rules & circumstances - [Fixed vs Tracker](/fixed-vs-tracker-mortgage) - [Tracker vs Fixed (Rates)](/tracker-vs-fixed-mortgage) - [Does MIP Include Deposit?](/mortgage-in-principle-deposit) - [House Buying Timeline](/house-buying-timeline) - [Two Residential Mortgages](/two-residential-mortgages) - [Parent–Child Joint Mortgage](/parent-child-joint-mortgage) - [Spouse Visa Mortgages](/mortgage-lenders-for-spouse-visa-uk) - [RIO Mortgage Calculator](/retirement-interest-only-mortgage-calculator) - [Overpay Mortgage or Pension](/overpay-mortgage-or-pension) © 2026 First Rung Now. Educational content — not financial advice. Your home may be repossessed if you do not keep up repayments on your mortgage. [About](/about)· [Privacy](/privacy-policy)· [Terms](/terms)· First Rung Now is not a broker. We connect users with FCA-regulated mortgage advisers.