You are unlikely to get a mortgage while the IVA is on your credit file.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk
Hello Clive. It won't stop you getting a mortgage per se, and it will depend on a number of other factors - when the IVA was registered, your income etc. Whilst it remains on your credit file you would be likely to have to pay somewhat of a premium though - think in terms of interest rates of at least 3% above the norm. Once the IVA has disappeared from your credit file this will, all things being equal, open up more and more competitive options.
Specialist Mortgage Advisers. Highly Commended at the British Mortgage Awards.