Mortgages with an IVA or CCJ in West London
An IVA or CCJ on your record doesn't automatically close the door to mortgage finance. The right specialist broker can find a path forward.
Introduction
Getting a Mortgage with an IVA or CCJ
An Individual Voluntary Arrangement (IVA) is a formal, legally binding agreement between you and your creditors to repay a portion of your debts over a set period — typically five to six years. A County Court Judgement (CCJ) is a court order issued when a debt remains unpaid. Both are among the most serious adverse credit markers and are recorded on your credit file for six years from the date of registration.
Mainstream lenders will almost always decline applicants with an active IVA or a recent CCJ. However, the specialist lending market has evolved significantly, and a growing number of lenders are prepared to assess these cases on their individual merits — looking at factors such as how much time has passed since the issue arose, whether debts have been settled, the size of the available deposit, and the stability of the applicant's current income.
At West London Property & Let, we specialise in placing clients with IVAs and CCJs with the most appropriate specialist lenders. Our in-depth knowledge of which lenders accept these cases — and under what conditions — means we can save you significant time and protect your credit score from unnecessary hard searches.
Who is it for?
Who Can We Help?
We assist clients across a range of IVA and CCJ-related scenarios, including:
- Applicants with an active IVA (subject to trustee consent)
- Applicants whose IVA was completed or discharged within the past six years
- Applicants with a satisfied CCJ (fully paid)
- Applicants with an unsatisfied CCJ (some lenders will still consider these)
- Applicants with multiple CCJs or a combination of an IVA and CCJ
- Applicants who have been discharged from bankruptcy
Why Choose West London Property & Let?
Specialist Lender Panel
We maintain relationships with lenders who specifically underwrite IVA and CCJ cases — lenders you will not find on comparison sites.
Protecting Your Credit Score
We identify the right lender before any application is submitted, minimising unnecessary hard searches that could further damage your credit file.
A Clear Route Forward
Even if a mortgage is not immediately achievable, we will map out a realistic plan — advising on the steps to take so that you are in the strongest possible position when the time is right.
How It Works
Case Assessment
We review your IVA or CCJ history, deposit, income, and overall credit profile to identify realistic options.
Lender Selection
We approach only those lenders whose criteria align with your specific circumstances, protecting your credit score.
Application Preparation
We prepare a compelling application with full supporting documentation, clearly presenting your current financial stability.
Completion
We guide you through to offer and completion, and stay in touch to help you remortgage to a better rate once your credit history clears.
Frequently Asked Questions
Can I get a mortgage while in an IVA?
It is possible, but you will usually need your IVA supervisor's consent and a substantial deposit — typically 25–30%. We work with lenders who will consider live IVA cases on their merits.
How long after an IVA can I apply for a mainstream mortgage?
Most high street lenders require an IVA to be fully discharged for at least three years (sometimes six). Specialist lenders may consider applications sooner, often one to two years after discharge.
Can I get a mortgage with a satisfied CCJ?
Yes. Many specialist lenders will consider satisfied CCJs, especially if the judgement is more than one year old and the amount involved was relatively small.
What deposit will I need?
For IVA and CCJ cases, expect to need at least 15–25% of the property's value as a deposit, though this varies by lender and the age and severity of the credit issue.
Will my mortgage rate be much higher?
Specialist mortgage rates are higher than mainstream rates, but not prohibitively so — particularly if you have a larger deposit. Once your credit history clears, we can help you remortgage to a competitive high street deal.