Hi
As long as you continue repaying your mortgage then you will keep your house under an IVA or DMP.If you opt for bankruptcy then the interest in your house passes to the Official Receiver who may force you to sell,however it is possible to keep your property even under bankruprcy if a third party can buy your equity interest from the OR,if you have no or minimal equity then this could be as little as a £1
You probably need to tell us a little more about your circumstances in order to advise you on that point - all I would say is that when you are insolvent and until a solution is agreed with your creditors, any assets that you have are bound to be at risk from creditor action, but as Andy says the important thing at this stage is to maintain your mortgage payments at all costs if you wish to hand on to the property.
