Hi Jem
From my personal experience I do not feel that the frequency of the Halifax loan is necessarily a problem, however they will cast their vote as they feel appropriate if you decide to proceed with an IVA.
The figures you have confirmed would indicate that an IVA is an option for your husband, and he should now seek more specific advice if he wishes to consider all of the options available to him further.
Good luck to both of you!
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk