Debt Consolidation
Debt consolidation is about bringing your debts together so you only have to manage them in one place.
September 29, 2025
- Written by Advice Centre Group Editorial Team
- Last updated: 11 September 2025
Is renting possible with an IVA?
We have spoken with so many people who worry about how an Individual Voluntary Arrangement (IVA) might affect their ability to rent property. We have helped 12,125 + people out of that a good number of people are in a rented property. Whether you’re currently renting or planning to move, this guide will address your key concerns about renting while on an IVA.
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Will an IVA affect renting a property?
An IVA can affect your rental prospects, but it doesn’t make renting impossible. Here’s what you need to know:
For Existing Tenancies
- Your current tenancy agreement remains valid during an IVA
- Your existing landlord is not automatically informed about your IVA
- You can continue living in your current rental property as long as you maintain rent payments
- Your IVA payment plan should factor in your rent as a priority payment
For New Tenancies
- Some landlords and letting agents perform credit checks
- Your IVA will show up on credit checks for six years
- You may face additional scrutiny during the application process
- You might need to provide extra assurances or a guarantor
Will My Current Landlord Be Informed About My IVA?
Privacy considerations regarding your IVA:
- Your IVA is not automatically disclosed to your current landlord
- Private landlords are less likely to discover your IVA than letting agencies
- You’re not legally obligated to inform your existing landlord about your IVA
Can I Rent a New Property During an IVA?
Yes, you can rent a new property during an IVA, but there are several factors to consider:
Potential Challenges
- Credit checks by letting agencies
- Higher deposits or rent in advance might be requested
- Some agencies may require a guarantor
- Additional reference requirements
Steps to Improve Your Chances
- Be upfront with letting agents about your situation
- Prepare to explain your IVA and how you’re managing it
- Have references ready from your current landlord
- Consider using a guarantor
- Save enough for a larger deposit if possible
- Look for private landlords who might be more flexible
Practical Tips for Renting with an IVA - Is Renting Possible With An IVA?
To improve your chances of successful renting:
For Current Tenants
- Maintain perfect rental payment history
- Build a good relationship with your current landlord
- Keep documentation of on-time payments
- Ensure your IVA payments don’t affect rent payments
For Prospective Tenants
- Be honest about your financial situation
- Prepare a strong rental application
- Have a guarantor ready if possible
- Save for a larger deposit
- Consider private landlords over agencies
- Get references from previous landlords
- Keep proof of income and IVA payments
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frequently asked questions
Yes, you can rent while in an IVA, but it may be more difficult. Landlords and letting agents often carry out credit checks, and an IVA will appear on your credit file. Some landlords may see this as a risk, but it does not mean renting is impossible.
No, having an IVA does not automatically change your existing tenancy. As long as you keep paying your rent on time, your landlord cannot end your tenancy simply because you are in an IVA.
Yes, a landlord or letting agent can decide not to let a property to you if your credit history shows an IVA. Some may ask for extra conditions, such as a larger deposit or a guarantor.
You do not always need to tell a private landlord about your IVA, but credit checks will often reveal it. Being upfront can sometimes build trust, especially if you can show you are making regular IVA payments.
Yes, but it can be more challenging. You may need a guarantor, a higher deposit, or proof that your IVA payments are being managed reliably. Some housing associations or local authority landlords may be more flexible than private landlords. (gov.uk)
Yes, for a while. An IVA stays on your credit file for six years, so even after it finishes, some landlords may still see it. Once it drops off your file, renting should become easier.
Learn more about managing your debt:
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Yes – In Short, Bailiffs can refuse payment plans, However there are options available to help you.
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Adam Southard is authorised as a Licensed Insolvency Practitioner in the United Kingdom by the Insolvency Practitioners Association, We only provide advice after completing or receiving an initial fact find where the individual(s) concerned meet the criteria for one of our insolvency solutions, therefore, all advice regarding Individual Voluntary Arrangements (IVA) is given in reasonable contemplation of an insolvency appointment.
Adam Southard is licensed to act as an Insolvency Practitioner in the UK by the Insolvency Practitioners Association. Office Holder No. 11930
Insolvency Practitioner Directory- Insolvency Practitioner Details (bis.gov.uk)
What you need to know about Individual Voluntary Arrangements
(Insolvency Service)
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