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The last resort for many homeowners with serious debt problems is an Individual Voluntary Arrangement. This is a final act after debt has become too much and monthly bills just cannot be met. In the past it would also mean homeowners could well lose their homes – but not anymore. There are several lenders who now offer mortgages to those who have had or are in the midst of an IVA. These IVA mortgages have been created so as people who were in debt can still keep their homes and start from scratch under their own roof. It isn’t easy carrying on after an IVA, it means years of hard work and saving before you are back on track. But with IVA mortgages at least you have a home and a way to move forward.

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