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 11,300 + 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.

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

We have supported 11,300+ individuals on their journey towards financial well-being.

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Advice Centre Group Ltd registered in England and Wales (14322979). Registered office: Second Floor A, Cheadle Place, Cheadle, Cheshire, England, SK8 2JX.

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)

We provide solutions to individuals throughout the UK, We Will help recommend solutions available to your circumstances in which you can then make an informed decision about which solution you qualify for is best for you and your circumstances.