Guides
Mortgages after an IVA, DRO, DMP or Trust Deed
What mortgage lenders look at after a debt solution, how to get your file ready, and why a specialist broker matters, with a guide for each solution.
Free to use, no obligation. The plan itself won't affect your credit score. It is not advice, and acceptance is never guaranteed.
Written and reviewed by the AfterMy team · Last reviewed October 2026
Start here
Can you get a mortgage after a debt solution?
Some specialist lenders consider applicants after a debt solution. A regulated mortgage broker can tell you what applies to you.
A mortgage is a bigger decision than other credit, so the preparation matters more.
What do mortgage lenders look at?
They look at your credit file, your deposit, your income and outgoings, and how you've handled credit since your solution ended.
- Your record since your solution ended: on-time payments on everything you have.
- Your deposit: each lender sets its own requirement.
- Your details: your credit file, electoral roll entry and address history all in order.
Why use a specialist mortgage broker?
A broker who works with people after a debt solution knows which lenders are likely to consider you, so you can apply where your circumstances are more likely to fit a lender's criteria.
If you'd like help with a mortgage, AfterMy can introduce you to a regulated mortgage broker.
After an IVA
2 guidesAfter a DRO
1 guideFinished your debt solution? Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for.
Start your Comeback PlanAfter a DMP
1 guideAfter a Trust Deed
1 guideQuestions
Frequently asked questions
Do I need a bigger deposit after a debt solution?
Lenders set their own deposit requirements; a regulated mortgage broker can tell you what applies.
Does AfterMy arrange mortgages?
No. AfterMy is not a mortgage broker. We can introduce you to a regulated mortgage broker, who can advise you and arrange the mortgage.
Is getting a mortgage different after a DMP?
A DMP is not insolvency, so lenders see the individual debts rather than one marker. The DMP mortgage guide covers what's different.
Ready when you are
Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for.
Start your Comeback PlanFree to use, no obligation. The plan itself won't affect your credit score.