Hi slowbutsure and welcome to the forum
If you own a property, and have an equity release provision as part of the IVA, you will need your IP's permission to move house, and all equity from the old house will need to be reinvested in the new property. If you are renting, you will be able to move so long as your new rental figure is in line with your old.
An IVA should not stop you being able to adopt, but you will need to demonstrate to the adoption agency that you are sufficiently financially sound to be able to offer a home to a child. This will involve additional costs, just so if you had a child of your own, so best to let your IP know of your plans before they get too far advanced.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk
