Yes, it is possible to get a mortgage after an IVA (Individual Voluntary Arrangement), but it may be more challenging than if you did not have an IVA.
An IVA is a legally binding agreement between you and your creditors to repay a portion of your debts over a set period of time, usually five to six years. Once you have completed your IVA, you will receive a certificate of completion.
After completing your IVA, your credit score may still be affected for some time, making it more difficult to get a mortgage. However, there are specialist lenders who are willing to lend to people who have had an IVA. These lenders will typically charge higher interest rates and require a larger deposit to compensate for the added risk.
To improve your chances of getting a mortgage after an IVA, you should take steps to improve your credit score, such as ensuring all your bills are paid on time, reducing your debts, and checking your credit report for errors. You may also want to work with a mortgage broker who specializes in helping people with bad credit or a history of debt problems to find suitable mortgage options.