Mortgage after bankruptcy
Bankruptcy limits your options - it does not remove them. The key to being accepted is finding the right lender, and Angela has whole-of-market access including the specialist lenders whose criteria are written for exactly this situation.
Same-day decision in principle available for urgent cases.
Where you might be
- Recently discharged
- Discharged some years ago
- Rebuilding credit after bankruptcy
- Declined since discharge
What lenders look at after bankruptcy
The questions that matter: whether you are discharged, how long ago, how your finances have been conducted since, and the deposit you can bring. Different lenders draw those lines in very different places - some will not look at all, and a specialist few genuinely will.
That spread is why lender choice is everything here. Angela discusses your situation honestly and approaches the lender whose criteria your case actually fits.
Rebuilding towards better rates
A first mortgage after bankruptcy often starts with a specialist lender. It does not end there: with the financial M.O.T., each year of clean conduct and each remortgage is a step towards mainstream rates - and Angela stays with you for that whole journey.
Based in Benfleet, Essex - advising clients across the whole of the UK.
No question was ever treated as a silly one…
Fair questions, straight answers
Can I get a mortgage while bankrupt?
Options before discharge are extremely limited. After discharge, specialist lenders will consider you - the how-long-ago and your conduct since are what move the answer. Ask, and you will get the honest position.
Will I always pay specialist rates?
Not forever. The typical journey starts with a specialist lender and graduates towards the high street at remortgage time as your record rebuilds - that plan is part of the advice from day one.
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Mortgages after bankruptcy.
Discharge dates and deposit decide most of it. If the answer is not yet, we will tell you what to do in the meantime.
Seven quick questions. Nothing touches your credit file.
or call 01268 387898