Thanks for all the replies. I will wait a year after completion before applying for a mortgage then. At that time do I have to declare it when asked if I have any default/ccjs? As it is supposed to be a private agreement which I will have complied with for 5 years.

Thanks

Following completion of an IVA, can you tell me how long it is before this is gone from an individuals credit record and this returns to normal? I want to take a mortgage out at the end of the IVA but am not sure if I will need to wait 12 months
Thank you