IVA Fees - Do IVAs Have Fees?

IVA Fees

IVA Fees - Do IVAs Have Fees?

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Will I Need To Pay Any IVA Fees?

Setting up an IVA does incur some costs; however, you will not be expected to pay anything up front at the beginning of the arrangement and there will be no surprise costs at the end of the arrangement. All costs are deducted from your monthly payments as you go along and will be clearly stated in your proposal. 


Once your monthy contribution has been stated in your proposal, it will not change. It will stay the same regardless of any Nominee or Supervisor’s fees.


The IVA fees stated below are included in your monthly contribution.


The fees are as follows:


  • Nominee Fees

  • Supervisor’s Fees

  • Disbursements

What Are IVA Nominee Fees?

IVA fees can be broken into different sections. Nominee Fees cover the work taken to assess your ciscumstances and to draft your proposal. It also includes the work carried out to meet with your creditors. 


The fee is taken from your monthly contribution, so once you have agreed your monthly payment, that will not change. Instead, the amount of money you pay each month can be allocated to your fees in different ways across the term of your IVA.


It is important to realise that IVA charges are a standard feature in ALL IVA proposals regardless of the company that is providing the service.

What Are IVA Supervisor's Fees?

These IVA fees cover the ongoing management of your IVA throughout the term of the arrangement. This includes, dealing with creditors and administering their repayments. It also includes the production of regular reports to keep you informed of the status of your agreement.


The fee is taken as part of your monthly repayment. As stated above, it will not increase how much you pay each month.

What Are IVA Disbursement Fees?

These fees include any third party services that your IVA providers have needed to process your proposal. 


This can include legal fees and license fees

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IVA Information and Guides

What is an IVA?

What Is An IVA?

An IVA can be a great, positive way to help with your debt. Allowing you to continue living your life without the stress of being chased by your creditors. Click to find out more about what an IVA is.

IVA Advice

Is An IVA Right For You?

Whether an IVA (Individual Voluntary Arrangement) is right for you or not will largely depend on your personal situation e.g. debt level, number of creditors, affordability etc. Click to find out more.

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How Does An IVA Work?

An Individual Voluntary Arrangement (IVA) is a debt solution where you agree with your creditors to pay all or part of your debts. When it is completed, any remaining debts are written off. Take a look at our article to find out more.

What Is An IVA

Which Debts Can Be Included In An IVA?

Many kinds of debts can be included in an IVA. IVAs are limited to unsecured debts but by solving your unsecured debt problems, you may find paying any secured debt much easier.

Apply For An IVA

How Do I Apply For An IVA?

Applying for an IVA (Indivudual Voluntary Arranagement) is a fairly straightforward process. Click the button below and a member of our team will contact you and guide you through the process. 

IVA Pros and Cons

What Are The Pros & Cons Of An IVA?

As with many things in life, there are benefits and consequences we need to consider. Take a look at our Pros and Cons article to find out whether an IVA is right for you

IVA Fees

Does An IVA Have Fees?

Setting up an IVA does incur some costs; however, you will not be expected to pay anything up front at the beginning of the arrangement and there will be no surprise costs at the end of the arrangement.


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When looking into how an IVA works, there are some features that do appear to be too good to be true, so it is understandable that some people are extremely cautious and even cynical when thinking about whether to proceed.

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Is an IVA a Bad Idea?

Whether an IVA is a good or bad idea is largely dependent on your financial circumstances. Of course, every debt solution is going to have its advantages and disadvantages. These need to be considered and weighed up so that you can make an informed choice.

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Do You Lose Assets With An IVA?

Assets are the things you own, whether that’s a house, car or electronic equipment. Many people, when entering any debt solution, are often concerned about how much they will lose and to which extent their lives will be altered. Read on to find out more about how an IVA might impact on your assets.

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