Thanks for the reply Foggy, that's a possibility. Won't I have to remortgage though to a buy to let and still encounter the same problems with being accepted? Halifax have said they will give me a mortgage if I am reducing the risk to them, I.e. reducing LTV and reducing the amount borrowed.

I just started my IVA in May but have since got a new job and need to relocate. My partner and I need to use any equity in the house as a deposit. If I pay the iva with the equity we can't get a mortgage. If we move, we save on outgoings such as petrol and I will be able to pay more in to the iva. I...