Mortgage After IVA

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.