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Very sorry to say but it is highly unlikely you will be able to obtain a mortgage.
First your credit record as you say is low, that is the first thing a lender will look at, along with other debts you have and the IVA. Tou would be considered a high risk.
Secondly, the only way you can apply for a mortgage while you’ve got an open IVA is with the agreement of your Insolvency Practitioner (IP)
The standard rule of an IVA is you can’t take out more than £500 worth of credit without their approval and, a mortgage is far more than that.
Can I assist or clarify anything further?
That is always the best way to resolve that problem.
I know it can be frustrating, debts never seem to clear, and rent is often the same or more than a mortgage.
Continue paying them off, try and pay extra if you can, it is surprising how a little extra each month makes a difference on reducing the debts.
It should make no difference with you obtaining a mortgage.
What I would advice caution on as you are still married, is that if or when you divorce, any assist you have can form part of any divorce settlement. Your ownership of property would be disclosed in any financial arrangement.
So you may actually want to consider divorce and clean break order before purchasing a new property.
As you have been separated 5 years, you can use the 5 years separation ground for the reason for divorce. The ex does not have to agree to the divorce, you can do it automatically without his consent after 5 years separation.
I understand, but if a divorce takes place and you have a new house that will still be taken into consideration in financial settlement. He most likely will not gain form it, but it is a possibility you need to think on thats all.
Your welcome, good luck.
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your very welcome.