Is there any way an IVA could help with mortgage arrears?
An IVA can't help you directly with payments to your mortgage, but it could still help.
After all, payments to your IVA will be calculated based on the amount you can actually afford after your essential expenses have been covered. Your essential expenses include secured debts - so, as long as you and your mortgage lender are able to agree on a way of repaying your arrears, the IVA payments may be calculated around this.
However, on an IVA, you will need to have a certain amount of disposable income available each month to put towards repaying your debts (in general, this usually turns out to be at least £200). Even so, if clearing your mortgage arrears means you wouldn't have the necessary disposable income for the first few months of your IVA, your IP (Insolvency Practitioner) may still be able to talk to your lenders and come to an arrangement.
A note about IVAs
Note that entering an IVA will have a serious impact on your credit rating. Plus, if you're a homeowner, you may have to release some of the equity in your home so you can pay your creditors more.