realistically an IVA would be rejected anyway as there is too much equity in the property, so they would look to write off any debt, they will look to secure it against the property. you can look at debt management, but i warn you with that level of debt, it will take some time, or a remortgage. you wont get a consolidation loan (unsecured) to cover the whole amount, so unless you address it soon, it may spiral completely out of control.