Can my husband remortgage whilst I am in an IVA?

Get expert opinion. This is the place for new questions to be posted.
3 posts Page 1 of 1


User avatar
Posts: 1
Joined: Wed Feb 26, 2020 9:33 am

Post by nina253 » Wed Feb 26, 2020 9:33 am
If I have 5 years left on my IVA and currently not named on our house mortgage, if my husband remortgaged to buy a bigger family home as another bedroom is needed as what we have is not big enough, can he remortgage without my IVA having to be paid off? As it’s not fair for him and my children to suffer for my mistake
And sorry I have no working telephone


User avatar
Forum Expert
Posts: 31243
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Wed Feb 26, 2020 10:22 am
Has any mention been made of equity release in your proposal ? What does it say about the house , if anything ?
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014

Shaun Vickery

User avatar
Industry Expert
Posts: 915
Joined: Tue Feb 12, 2013 8:32 am
Location: United Kingdom

Post by Shaun Vickery » Thu Feb 27, 2020 11:18 am
Assuming that there's no interest in your Husband's property (hence Foggy's question) it's possible but a little complicated. Technically not all lenders insist that applications by married people are in joint names but many do. Ultimately anyone recommending a mortgage to your Husband would need to take into account his financial circumstances and, to all intents and purposes, it's difficult not to see your finances as inter-related. If you have any joint loans or bank accounts etc. you will be shown as financially linked.

I'm also not sure whether this might affect your IVA in anyway....possibly one of the other experts could comment on this.
Specialist Mortgage Advisers. Highly Commended at the British Mortgage Awards.

For individual, confidential mortgage advice see my details under the IVA Experts or go to
3 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”