Many Lenders now have an issue unfortunately when it comes to debt consolidation however, if you haven't missed any payments and you have the income to support the application it may be possible for us to find a re-mortgage for you if you were to contact us with more information.
In an IVA you will have to offer creditors an alternative just as attractive than what they would get in BKY.
Assuming the property is solely owned then they will get a significant dividend back from the £100k if you were to go Bankrupt and the property repossessed or sold.
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