If your IVA will complete at the end of year 5, then once you have made your final payment, you will receive a completion certificate and then you can start to clean up your credit record.
Do you have an equity release clause? If so, and you cannot remortgage, you may find your IVA will extend for a further 12 months.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
