Thank you both for answering. My Mother in Law is registered disabled and not in good health with advanced emphasimia (spelling?). If there was any suggestion that they would sell her house at the beginning of an iva we would have to look at other options. If they were to look at releasing in the 4t...

My husband and I are considering an IVA. Due to the down turn in the property market we currently have very little equity in our own property. However a few years back my husband took on co-ownership of his Mothers house on which we have a small mortgage. Would this house be safe?