Prepare the file
Mortgage after bankruptcy
Bankruptcy has an order date and, usually, a discharge date. Those two dates are the start of the file. They are not an eligibility clock this site can run.
What this page will not do
- Discharge does not remove the record on the date it happens.
- Scotland uses sequestration. Say if that is the order you have. The questions are similar and the documents are not identical.
- It will not name a lender, a product, or an approval chance.
Questions
- Is there a set number of years after discharge?
- No number on this page. Lenders publish their own criteria, and a broker has to apply them.
- Will you tell me my chances?
- No. An approval probability would be a lending judgement.
MortgageConnector provides free mortgage research and calculators. If you want personalised advice, we can introduce you to an FCA-authorised mortgage broker. We do not provide regulated mortgage advice ourselves.
The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Want a broker to look at your own numbers?
An FCA-authorised broker can look at your income, credit and the property. MortgageConnector will introduce you. We do not recommend a mortgage.
Match me with a broker experienced with bankruptcy