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Get approved within 24 hours so you can move into your dream home sooner, even if you have been in an IVA or you’ve been declined elsewhere!
Support & Guidance
Quick Decisions
Free Consultations
Personalised Service
High Success Rate
Getting declined for a mortgage after an IVA can feel like the ultimate setback. You’ve done the hard work to get back on track, faced your debts head-on, and followed the plan to put things right. Yet now, even though the IVA is behind you, it feels like you’re still being punished for something that’s in the past. That “computer says no” response from lenders doesn’t just sting. It makes you doubt yourself. “Will anyone ever approve me?” “Has the IVA ruined my chances forever?” It’s exhausting and for many people, it puts life on hold yet again.
It could mean you’re stuck paying sky-high rent for a property that doesn’t truly feel like home. Or maybe you’re still living with family, trying to save for a deposit but constantly wondering if you’ll ever get the chance to buy a place of your own. That uncertainty can wear you down emotionally, financially, and mentally.
The most frustrating part? Mainstream banks and high street lenders can be incredibly rigid. Even if your IVA is settled and you’ve rebuilt your finances, they often focus purely on your credit history rather than looking at the bigger picture of where you are now. If you’ve already been turned down by your bank or another broker, it’s easy to feel like you’re running out of options.
While it’s tempting to keep applying in the hope someone will say yes, going in blind without the right guidance can be disheartening and potentially damaging to your chances. The reality is that there are lenders out there who do consider applicants with an IVA in their past – you just need to know where to find them and how to approach them.
At Lightbulb Lending, we believe a past IVA should not stop you from owning your dream home. You’ve already taken the difficult steps to deal with your debts, complete the IVA, and move forward. Now it’s about finding a lender who sees more than just a mark on your credit file.
As a whole-of-market mortgage brokerage, we work with a wide panel of specialist lenders who take a more human approach. These lenders don’t rely solely on rigid credit scoring systems. They look at the bigger picture – your current financial position, the progress you’ve made, and your ability to afford a mortgage today.
Our years of experience and close relationships with underwriters mean we know exactly which lenders are open to applicants with a previous IVA. More importantly, we know how to present your application in the strongest possible way to give you the best chance of success the first time around, avoiding unnecessary delays, stress, or extra costs.
You’ll receive a Decision in Principle within 24 hours, giving you clarity and confidence to start your property search. We offer flexible appointments, including evenings and weekends, to fit around your schedule. And with no upfront fees and our no-offer, no-fee guarantee, you’ll only pay if we deliver the outcome you need.
If you’ve been told “no” before, speak to someone who knows how to turn that into a “yes.” Fill in our quick enquiry form today and let our friendly advisers guide you toward securing your mortgage after an IVA.
Request A Call Back
Fill out the form and one of our experts will call you back shortly with tailored mortgage options. No fees, no pressure – just real answers to get you moving.
From Enquiry to Keys Made Easy
Contact Us
Fill out the form and one of our brokers will call you back
We will source your best option
After our quick initial chat, we will start our search for your mortgage solution
We will guide you through the process
We will handle all the paperwork and application for you, guiding you through the process
Until you are accepted!
You will get that all important mortgage offer ready to start the completion process
Here are Just a Handful of Lenders We Use
Why Choose Lightbulb Lending?
Deposits as Low as 10%
You may have been told that you need a huge deposit to get a mortgage after an IVA. That belief can keep you from exploring your mortgage options and missing out on your dream home. At Lightbulb, we know that’s simply not true. We work with lenders who accept deposits as low as 10%, making it possible for you to buy your home much sooner than you might expect. Whether you’ve struggled to save because of extortionate rent payments or just assumed you needed more, we’ll help you access the solutions that fit your budget and goals.
Fast decisions
Waiting for a mortgage decision can be stressful, especially if you have been declined elsewhere. Every day that passes without knowing what your mortgage options actually are can mean missed opportunities and growing uncertainty. At Lightbulb Lending we move quickly. You will get your decision in principle within just 24 hours so you’ll know exactly how much you can borrow, enabling you to take the next steps in your house buying journey with confidence. No more guessing, delays, or wasted time! Just fast, expert answers from people who understand your situation and know how to get things moving.
No upfront fees
Buying a house can be expensive, there is no getting away from that. However, we believe that getting expert mortgage advice shouldn’t come with financial risk. That is why we provide a no-offer-no-fee guarantee, you won’t pay a penny unless we successfully secure a mortgage offer for you. No hidden costs. No upfront charges. Just honest, straightforward advice from a broker who puts your outcome first. With Lightbulb, you can explore your options with complete confidence, knowing we’re fully invested in getting the right result for you.
Adverse Credit Experts
Your IVA doesn’t have to hold you back. At Lightbulb, we’ve built our reputation on helping clients with CCJs, defaults, IVAs and missed payments get approved for real mortgage deals. We understand the challenges, but more importantly, we know how to overcome them. With years of experience and proven success in even the toughest cases, we specialise in turning a “no” into a confident “yes.”
High Success Rates
Our expertise and access to 100+ lenders mean we know exactly where to place your case for the best chance of approval. Securing a mortgage after an IVA isn’t just about applying – it’s about applying smart. We place your application strategically with the right lender to give you the strongest chance of approval. Our experience and insight mean fewer rejections, less stress, and a far smoother path to getting into your perfect home.
Personalised Service
You are never just a number to us. We offer a truly personalised service, guiding you through every stage of the mortgage journey from initial enquiry to the day you get your keys. We take the time to understand your goals, answer your questions and support you every step of the way. It’s not just about getting a mortgage – it’s about making the process as clear, supportive and successful as possible, from start to finish.
Take the First Step To Your Dream Home Today
We believe that everyone deserves a chance to own their dream home. So if you’re worried about securing a mortgage due to bad credit, contact Lightbulb Lending today.
Lightbulb Lending is a trading style of Simply Lending Solutions Limited Registered in England & Wales. Company No 09676170.
Simply Lending Solutions Limited, registered address: Barn 12, Runwell Hall Farm Hoe Lane Rettendon Common Chelmsford Essex CM3 8DQ. Authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register No 745164 at https://register.fca.org.uk/. The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
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