Personally I would favour offering the drawdown as a F&F .. but, again, this has to be handled carefully. If you just draw the funds they will be payable into the IVA to no good purpose. You need to offer to draw the funds for the sole purpose of the F&F -- i.e. no accepted offer = no drawdown.
If your Mortgage is currently with a High Street Lender you may be able to swap to a new rate with them if they don't need to credit search/score you as part of the application however, it's unlikely they will lend you any more money whilst you are in the IVA. There are specialist Lenders who may look to lend to raise money to repay an IVA.
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