Is my home safe in an IVA?

Is my house safe?

Yes, your creditors may require you to raise some funds from your property by way of re-mortgage in your final year of the IVA, if there is available equity (the amount left after your mortgage and other secured creditors have been considered).

If you have less than £5,000 of equity in your home then it is unlikely the equity in your house will be included in your IVA.

Please read the equity clause within your proposal to find out more or speak to one of our team.


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