If you’re going to go through an IVA, it’s unlikely you’ll be getting a new mortgage for the next few years. Mortgages aren’t typically included in IVAs and you’d need to carry on making the repayments as normal.However, if you are a homeowner, an IVA may have implications for you. If you have a mortgage at the time of the IVA you may be asked to release the equity, if you have a certain amount, towards the arrangement.If you want to purchase a new home during an IVA, you’ll need to consider several factors including your disposable income, credit history, and affordability.