Hi Amandadon,
You could make regular overpayments to NRam for the time being to reduce the balance of your mortgage.
We are with Nram and are interest only due to the IVA, and I looked at going onto repayment last week and was told our payments could increase from £600 to £1020! The lady I spoke to said that by making regular overpayments of £200-300 per month, this would could come straight off the balance, as the interest is the set monthly amount being paid.
We've looked into using our IVA payment per month as the over payment for now until our 6 years are up and then shop around.
The good thing about overpayments are that you choose how much you pay, when you want to pay, you don't have to do it every month and their is no financial implications when doing this (except the interest you will save in the long term, which means your monthly interest mortgage amount should reduce !! )
I should probably add that I used to work in retail banking and sold mortgages
Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!
Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA
Completion Certificate received- 30th April 2015!!