Welcome to the forum.
A charge is normally put on your mortgaged by your IP to ensure the sale of the house should it be done secures payments to creditors in the first instance after secured debts are paid off.
My understanding is creditors who form.part of your iva are informed of this process at the outset and therefore are unlikely to add their own charge.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Once the IVA has been accepted creditors cannot take any action against you regarding the debt and they cannot seek to secure the debt against any property.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014