Divorce and IVA

I have done the divorce myself and am now able to apply for my Decree Absolute but have not yet reached a financial settlement with my husband, Should I go ahead and apply for the absolute or wait and get the financial agreement first ? My husband says he will come to an agreement between ourselves but nothing is happening, also I have just found out he is taking out an IVA we have a joint mortgage on a jointly owned property , I am not sure what to do next so any advice would be appreciated.

If you ex has got pensions then you want to be his widow until you've got a final order and you would also want to be his widow if he had significant assets in his sole name though that doesn't seem to be the case here. Bottom line therefore is no problem is getting your DA unless he's got pensions!
If he's now getting an IVA you need to be pressing on with getting a settlement as the position with regard to the mortgage etc is likely to further deteriorate.