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IVA

Individual Voluntary Arrangement can be seen as an alternative to bankruptcy.

An Individual Voluntary Arrangement - IVA is a formal agreement between you and your creditors where you will come to an arrangement with people you owe money to, to make reduced payments towards the total amount of your debt in order to pay off a percentage of what you owe then generally after 5 years your debt is classed as settled. Due to its formal nature, an Individual Voluntary Arrangement - IVA has to be set up by a licensed professional called an Insolvency Practioner (IP).

Goldman Specialist Mortgages have a panel of lenders who will consider applications if you have an IVA.