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Hi.
I'm currently in an IVA heading into year 5. I have a joint mortgage with an ex who the lender refuses to remove. At the start of my IVA I fixed the mortgage In order to keep in control of finances. I have now been informed that the mortgage product has ended and that A small reduction in payment will be apparent in the next couple of months. Would the reduction now be regarded as disposable income even though it's a joint mortgage? (with difficulties) thankyou.

Welcome ....your I&E would need to be reviewed if your mortgage payments reduced to ensure your IVA payment reflects your available disposable income ....your IP should take your change of circumstances into account and I would encourage you to speak with them now to go through this so that you can conclude your IVA knowing you have made all of your IVA payments due and no extra requirements ...let us know how you get on.
You have gone into year 5 of your IVA and no one will want to see your IVA fail ...well done ..light is at the end of the tunnel ...you are touching distance away from debt freedom.

This would normally be something dealt with at the annual review so you would be unaffected since this is your last year. However, notify your IP to make sure as you do not want any nasty surprises at this late stage.