NORTHWICH | CHESHIRE
Zeo Mortgages - Logo
Will I Qualify?

EXPERT HELP FROM ZEO MORTGAGES

Getting a Mortgage with an IVA

All initial work and advice is free. If we don’t succeed in getting you a mortgage offer, you pay nothing.

  • Access to Specialist Lenders

  • Support with Credit Reports

  • Specialists in IVA Mortgages

  • Solutions for Settled IVAs

Will I  Qualify?

Use our Online Quiz to find out if you qualify for a mortgage; there’s no credit check or upfront fees.

Approx 2-mins

Start The Quiz

Can You Get a Mortgage with an IVA?

Yes, it is entirely possible to get a mortgage with an IVA. However, there are factors that lenders typically consider before approval. 

Portrait Of Excited Young Woman Standing Outside New Home Holding KeysHappy african american parents carrying cute son holding key while standing in new home

How We Can Help

At Zeo Mortgages, we help simplify the process of getting a mortgage after an IVA by working closely with specialist lenders who assess applications based on your current financial situation rather than solely your credit history.

Our expert advisers are here to guide you every step of the way, ensuring you find the best options tailored to your needs.

Improving Your Chances of Mortgage Approval

To increase the likelihood of getting approved for a mortgage with an IVA, consider the following.

  • Check Your Credit Report

    Ensure your IVA is marked as satisfied and dispute any inaccuracies in your report.

  • Save for a Larger Deposit

    The more you can contribute upfront, the better your chances of approval.

  • Demonstrate Financial Stability

    Lenders favour applicants who can show steady income, lower debt levels, and responsible financial habits.

  • Work with Specialist Advisers

    Our team connects you with lenders who specialise in helping people with past financial difficulties, making the process smoother for you.

    • Why Choose Zeo Mortgages?

    We search the mortgage market to find you the best products and deal with the whole application process right through to completion.

    BOOK A CALL
    • Two Female Friends Or Same Sex Couple Celebrating With Pizza And Wine On Moving Day In New Home

      Expert Advice

      We specialise in advising clients with IVAs and other financial challenges, helping them secure mortgages that suit their unique situations.

      1

    • Couple relaxing while moving in new home together

      Access to Specialist Lenders

      We work with a wide range of lenders who are more open to considering applications from those with previous credit difficulties.

      2

    • Beautiful shot of old houses along a narrow street on a foggy day in Burford, Cotswolds, Oxfordshire

      Transparent Fees

      Our service includes a one-off fee, ranging from £195 to £995 depending on the complexity of the case. There are no hidden charges.

      3

    • Personalised Support

      We provide tailored mortgage advice to guide you through every stage of the process.

      4

    Some of our happy customers…

    Hear from those who’ve experienced our dedication firsthand.

    “The team handled everything efficiently and kept us informed throughout.”

    Stephen

    “Baggio was professional, patient, and explained every step clearly. Highly recommended.”

    Poppy

    “Being able to discuss everything in Cantonese made the whole mortgage process much clearer and less stressful.”

    Fung

    I review the service given to me by Andrew, Nikki, Anna and the team a Super 5 Star ⭐️⭐️⭐️⭐️⭐️

    At all times Nikki Whittaker look after my affairs and matter with great care, kindness and with respect. Her professional humble and polite approach and communication matter in processing the entire application.

    She understood my concerns and dealt with on a timely basis ensuring that I am well looked after in the case.

    I don’t believe 5 Stars are enough for such services. They deserve to be recognized and awarded.

    Thank you Andrew, Nikki, Anna and the whole team.

    Tasnim Lukmanji
    Cheshire

    I had a great experience with this company. Big thanks to Baggio for helping us secure our mortgage smoothly and efficiently! Super professional, reliable, and always polite. He was also incredibly patient in answering all our questions — highly recommend!

    Poppy Wong
    Cheshire

    Andrew and Jenny were quick to help and answer any questions or queries that we had throughout the process. They were always at the end of the phone and extremely helpful 
    I would recommend 120%
    Thank you both and Zeo Mortgages very much

    Paul Cox
    Cheshire

    Both Andrew and Andy went out of their way to help us find the right mortgage deal and also signposted us to life insurance services. Very informative and communicated with us every step of the way. I’ve no hesitation in recommending Zeo to friends and family.

    Claire & Jason Chisolm
    Cheshire

    Amazing service by Andrew, second time I’ve used ZEO and I will use them again in the future.

    Emma Kennedy
    Cheshire

    Although my case seems impossible, with the help of Andrew and Mark from ZEO Mortgages, we managed to succeed in the mortgage process. Thank you very much, guys. I’ll be recommending you to my friends.

    Yunus Emre Keles
    Cheshire

      Begin Your Mortgage Journey Today

      If you’ve had an IVA but are ready to start building your homeownership plans, we’re here to help. Contact us today to speak to one of our friendly specialists and begin your journey towards finding the right mortgage.

      We’re committed to making the process as simple and stress-free as possible, so you can focus on what matters most – your new home.

    • Will I  Qualify?

      Use our Online Quiz to find out if you qualify for a mortgage; there’s no credit check or upfront fees.

      Approx 2-mins

      Start The Quiz