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Solo IVA but joint mortgage

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Hi Everyone, 
My wife is coming up to her final year with a solo IVA and they now want us to Refinance or re mortgage our house, but i am not part of the iva and i refused when she took it out, can i refuse to Refinance or re mortgage as it would for sure be a higher interest rate etc as our credit is now poor, Also i think we prob only have maybe £ 15k in equity at best. 
Does anyone have any good advice
TIA Barry
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