The majority of equity, if released, belongs to your creditors and will not be available for a court battle --- which brings another question ... your late mother's estate: If you have inherited or are in line to inherit anything, that, itself, could also be dragged into your IVA as a windfall.
You could put together a full and final offer on basis of voluntarily selling house and using funds equal to the remaining payments of c£3.4k to finish IVA early or get a third party gift to do something similar.
If you use third party funds to finish early with a view to you need to bear in mind that you credit rating will still be shot until the 6 year mark passes.
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