Creditors understand that your home is a priority. People occasionally decide that they are willing to sell their home and allow the proceeds of sale to go to their creditors. Most often however people want to stay in their home for the duration of the IVA. As long as you keep up your monthly mortgage repayment and your IVA payment your home will be unaffected. You may be required to release some of the equity by way of a remortgage, subject to affordability.