Mortgages for Discharged Bankrupts

If you've been discharged from Bankruptcy we may be able to help you with a mortgage.
Home / Mortgages for Discharged Bankrupts


Can we help you get a mortgage even if you are a discharged bankrupt?

YES We Can


Discharged Bankrupts Questions and Answers

Answer: We can arrange a mortgage for you as early as the day after you have been discharged.

Answer: We are specialists in the field of adverse credit.  We use our knowledge and experience of this complex market to find the right mortgage for you and have access to lenders that are specialists in this field.

Answer: No, we have access to the whole of the market and after 56 years experience in financial services we know which lenders to approach who will accept your credit profile.

Answer: Yes, you will always have to disclose that you are a discharged bankrupt, even after six years when it should have disappeared from you credit file.  Lenders and solicitors have access to the bankruptcy register which your details currently remain on for life.

Answer:  We do not charge any up-front fees, our broker fee is payable on production of an offer of mortgage.  This fee is detailed on the mortgage illustration we send you, having placed your enquiry, after intensive research, to obtain the most competitive product for your personal circumstances.

Answer: Following the day of discharge from bankruptcy, and before the first anniversary, we can achieve a 70% loan to value (LTV) mortgage. After each anniversary the following LTV may be possible, subject to the lenders own internal credit score.

Discharged 1 year  70% LTV

Discharged 2 years 75% LTV

Discharged 3  years 75% to 90% LTV ( 95% LTV in Wales only )  on High Street Lending Terms

Discharged 4 years 95% LTV on High Street Lending Terms


Yes there are lenders who will still offer you a mortgage, but the question that all lenders will ask is, was there a shortfall following the sale of the property. If there was a shortfall they would want to know if this has been satisfied, if so the answer would be yes, if not lenders would refuse to lend.

Under the graphic image where it states enquiry form we need to add to the end of the first paragraph

Now we are in 2020  we are seeing a very different mortgage market place with the property market taking off following the decision to leave the EU, and the competition brought to the mortgage market by the new Specialist lenders eager to help clients who may have been refused in the past.

Answer: Yes it will if your current credit profile is poor and it would appear that you are struggling financially.  What lenders are looking for is good conduct of your financial affairs since discharge.

Answer: Yes, all lenders want to know why you were declared bankrupt.  They are much more understanding if this was an event beyond your control such as the loss of your job or business, breakdown of marriage or relationship, long term illness leading to an unplanned change in your financial circumstances.

Answer: Yes, you should always access your credit file yourself to see how lenders will view your credit profile. You can access your file for a one off payment of £2 from

Our Experience & Expertise with Discharged Bankrupts

Discharged Bankrupt Mortgage Products

Buy to Let Mortgages

On a very positive note we now have far more lenders who will accept a degree of historical bad or adverse credit in this very competitive market.

Read More

Mortgage for Discharged Bankrupts

We offer a range of mortgage products for those who are discharged bankrupts. Even if you’ve only been discharged for a short period of time we can help.

Read More

Bad Credit Mortgages

If you have bad or adverse credit we may be able to help you secure a mortgage – from IVAs to CCJs, Discharged Bankruptcy and more – A Mortgage 4 You can say YES.

Read More

Mortgage with CCJs

Getting a mortgage with CCJ’S has become easier with the new specialist lenders who have come to the market looking to help clients who have had credit problems in the past.

Read More


Competitive Rates from Lenders

What we now have on the table for most but not all clients is access to a mortgage at 70% LTV one year after discharge at a penal interest rate, and after two years 75% LTV.. It starts to become more interesting three years after discharge when at 75% LTV and in some cases 80% LTV,the product range available to the client is the same as any other client, and after four years another lender offers the complete range of mortgage products.

More Information on Discharged Bankrupts


How Soon Can I Get a Mortgage Following Discharge From Bankruptcy

Things That May Affect Your Credit Rating


Turned down elsewhere? We can help!

We’ve been helping discharged bankrupts get back on to their feet and back on to the property ladder despite their circumstances.  Arranging a bad credit mortgage or mortgage product for discharged bankrupts is a scenario we regularly deal with.  Even if you have a history of bankruptcy and resposession we have access to whole of market lenders who will consider your application on various factors.

Latest Bad Credit Mortgage News

Contact Us
close slider