Thanks for all your replies. I do have unsecured borrowing with NR ubfortunately, I think I have pretty much figured that in December if we go down the IVA route I will defintately have to leave NR. But you say that the IP will take my increasing mortgage payments into consideration when looking at ...

Hi I wonder if anyone can help me. We are in debt by approx £42,000. We are seriously considering an IVA but my fixed rate with NR comes up in December. The LTV is about 85%. I am worried that when we come to remortgage, we will not be able to find a lender who will take us if we are in an IVA agree...