It's 85% loan to value if you are looking at a remortgage but, if you're almost at the end of your IVA then you will find that a remortgage is impossible and if your equity is more than £5k then you may have to continue for an extra year.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk