About £110000, outstanding debt 0f £80000

I owe £80000 have 5 years left on mortgage and have a secured loan on the house, I can afford a payment of £400 a month plus at least £30000 from the house in 5 years. I have a private pension from a old employer worth £58000 that I am more than happy to use (if possible) so is a IVA suitable for me.