The joint mortgage won't be a problem, just speak to your IP and tell them you wish to make a full and final offer.How long have you been in your IVA and how much do you still owe on it.
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