Bridging Loans with an IVA or CCJ in West London
Bridging lenders think differently. A strong property, a clear exit, and the right broker — that is often all you need, regardless of your credit history.
Introduction
Getting a Bridging Loan with an IVA or CCJ
IVAs and CCJs represent the most serious form of adverse credit — and while they will almost certainly prevent access to mainstream mortgage products, the picture in the bridging finance market is considerably more nuanced. Because bridging is asset-secured short-term lending, many bridging lenders are willing to consider applicants with IVAs and CCJs, provided the security property is of sufficient quality and the exit strategy is credible.
The key factors bridging lenders assess alongside an IVA or CCJ are: the current and projected value of the security property, the loan-to-value ratio being requested, the clarity and viability of the exit strategy, and — where the IVA is active — whether IVA trustee consent can be obtained. A compelling story on these factors can often overcome even significant credit challenges.
West London Property & Let has placed bridging loans for clients with both active and completed IVAs, and with single and multiple CCJs. Our advisers know which bridging lenders genuinely consider these cases, and we present your application with the supporting context needed to achieve approval.
Who is it for?
Scenarios We Handle
We regularly arrange bridging loans for clients in the following situations:
- Active IVA (with supervisor consent)
- Completed or discharged IVA
- Satisfied CCJ (any amount, any age)
- Unsatisfied CCJ (some lenders will consider)
- Multiple CCJs
- IVA combined with CCJ
- Post-bankruptcy (discharged)
Why Choose West London Property & Let?
Property-First Underwriting
Bridging lenders lead with the property and exit, not your credit score — making this the most accessible short-term finance option for those with IVAs or CCJs.
Speed Where It Counts
Even in complex cases, we move quickly to obtain terms and protect your position on time-sensitive transactions.
Expert Case Presentation
We know how to structure and present an IVA or CCJ bridging application to maximise approval chances with the right specialist lenders.
How It Works
Case Assessment
We review your IVA or CCJ details alongside the property, loan size, and exit strategy.
Lender Targeting
We approach specialist bridging lenders known to accept IVA and CCJ applications.
Application & Legal Coordination
We manage the application, coordinate solicitors, and obtain any required IVA supervisor consent.
Drawdown & Exit
Funds complete and we manage your exit — ensuring the bridge is repaid on schedule.
Frequently Asked Questions
Can I get a bridging loan while in an active IVA?
Yes, in certain circumstances — particularly where the security property is strong and the exit is clear. IVA trustee consent will typically be required. We will advise on feasibility based on your specific situation.
Does the amount of the CCJ matter?
Yes — lenders generally view smaller CCJs more favourably than large ones. A satisfied CCJ is significantly better than an unsatisfied one, regardless of the amount.
What LTV can I expect with an IVA or CCJ?
Typically 60–65% of the property's open market value. Some lenders will go higher for particularly strong security or smaller credit issues.
How quickly can I get a decision?
We can typically obtain an indicative decision from a specialist bridging lender within 24–48 hours, even for IVA and CCJ cases.
Will I need a solicitor?
Yes — all bridging loans require legal completion. We can recommend specialist property solicitors experienced in bridging transactions if needed.