Yes, it is possible to get a mortgage with an Individual Voluntary Arrangement (IVA) but it can be very challenging. IVA’s are arranged by IVA practitioners who will assess your circumstances and your affordability, they will then make an agreement with the creditors to repay your debts over a set period of time. IVA’s are considered a form of insolvency due to a percentage of your debts being written off and will have a significant impact on your credit rating which will affect the ability to apply for any credit, which includes a mortgage.