- Written by UK Debt Support Editorial Team
- Last Updated: 26 January 2026
Is Renting Possible With An IVA?
If you are in an Individual Voluntary Arrangement (IVA) or thinking about one, you might be wondering what it means for your housing options. It is a common worry, especially if you need to move soon or find a new place to rent.
So, is renting possible with an IVA? The short answer is yes, but there are a few things you need to know first. At UK Debt Support, we help people across the UK find practical debt solutions while keeping their housing secure. This guide will explain how renting works during an IVA, what landlords check, and how you can improve your chances of being accepted for a new tenancy.
Is Renting Possible With An IVA
Summary
In this article, you will learn how renting is possible with an IVA, what checks landlords and letting agents carry out, and what options you have if your credit rating makes renting more difficult. You will also find out how UK Debt Support can help you manage debt, keep your home, and plan for a stable financial future.
Is Renting Possible with an IVA in the UK?
Yes, it is absolutely possible to rent a property while you are in an IVA. Having an IVA does not legally stop you from renting. However, your credit record will show that you are in an arrangement, and that can make some landlords or letting agents more cautious.
Many tenants successfully rent homes during an IVA by being upfront about their situation, providing good references, or offering a larger deposit. Some social housing providers and private landlords are also understanding if you can show you are keeping up with payments through your IVA.
How Does an IVA Affect Your Credit Score and Rental Applications?
An IVA stays on your credit file for six years from the start date. During that time, lenders and landlords can see it when they carry out credit checks. This can make it harder to get approved for credit-based services, including some private rentals that use credit referencing agencies.
However, not all landlords use credit checks. Smaller landlords often rely more on references and proof of income. If you have paid your rent on time and can show your IVA payments are regular, many will see that as a sign of stability.
If a credit check is required, you can explain your IVA in advance. This shows honesty and gives the landlord confidence that you are managing your finances responsibly.
Can You Rent a New Property During an IVA?
Yes, you can move and rent a new property while in an IVA. You will need to inform your Insolvency Practitioner (IP) before signing a new tenancy agreement, especially if your rent will change. Your IP must make sure you can still afford your monthly IVA payments.
If your new rent is higher, your IP may review your income and expenses to adjust your IVA budget. Being open about your move helps avoid problems later and keeps your arrangement on track.
At UK Debt Support, we often help clients plan for a move by reviewing their finances and liaising with landlords when needed.
Will My Current Landlord Be Informed About My IVA?
Most letting agents and larger landlords carry out credit reference checks. These checks will show your IVA and any defaults from before the arrangement started. This does not automatically disqualify you, but it can affect whether a landlord asks for extra security.
Here are a few ways to improve your chances:
Offer a guarantor, such as a family member with a strong credit history.
Pay a few months’ rent in advance if you can afford it.
Provide proof of steady income or employment.
Bring references from previous landlords showing you pay on time.
For more on how credit checks work, see GOV.UK – Credit reference checks
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How Can You Improve Your Chances of Renting with an IVA?
Even with an IVA, there are several ways to make renting easier:
Be transparent about your IVA from the start.
Show stability by keeping consistent employment and rent payments.
Look for landlords who do not use credit checks, often found through private listings or smaller agencies.
Use a guarantor service or pay rent upfront if possible.
Being proactive shows responsibility. Many landlords appreciate honesty more than a perfect credit score.
Can an IVA Stop You from Getting Social Housing?
No, an IVA does not prevent you from applying for council or housing association properties. Social landlords usually look at your housing needs, income, and circumstances rather than your credit history.
If you are struggling with rent arrears or facing eviction, you can still apply for social housing help. You can check your eligibility on Shelter UK or your local council website.
If your rent arrears are part of your IVA, your IP can often include them in your arrangement, helping you start fresh.
What Happens to Your Rent Payments During an IVA?
Your rent is treated as a priority expense, meaning it comes before any IVA payments. You must always pay your rent in full and on time. Your Insolvency Practitioner will make sure your budget covers rent and essential bills before calculating what you can afford for your IVA.
If your income changes or you need to move to a more affordable place, your IVA can often be adjusted. The key is communication with your IP and seeking advice early.
Conclusion
So, is renting possible with an IVA? Yes, it is. While you may face a few extra challenges, renting during an IVA is realistic if you plan carefully, stay honest with landlords, and manage your budget responsibly.
At UK Debt Support, we help people every day who are renting, moving, or rebuilding after debt. Our friendly, FCA-regulated advisors can help you understand your rights, protect your home, and stay financially stable while completing your IVA.
Key Takeaways
Renting is possible while in an IVA.
Your IVA will show on credit checks, but it is not a legal barrier.
Being honest and prepared helps you secure a rental property.
You must tell your Insolvency Practitioner before moving.
UK Debt Support can guide you through renting and debt management together.
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all your questions
Can I rent a house while in an IVA?
Yes, you can rent during an IVA. Be open with landlords and provide proof of income to improve your chances.
Will an IVA stop me from moving to a new property?
No. You can move, but you must inform your Insolvency Practitioner first so they can check affordability.
Do letting agents see my IVA on a credit check?
Yes, they can see it. Being honest upfront and offering a guarantor often helps.
Can I rent privately without a credit check?
Yes, some private landlords skip credit checks. Look for smaller landlords or local listings.
Will my rent be included in my IVA payments?
No, rent is a priority expense. You pay it separately before making IVA contributions.
How long does an IVA stay on my credit file?
It remains for six years from the start date, even if you finish paying earlier.
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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
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