Bankruptcy Mortgages

We’ll match you to the perfect broker to help secure the best mortgage deal for you – fast, easy and free.
All of our partner advisers have access to the whole market so that you get the best deal available.
Mortgages made easy. We’ll match you to the perfect broker to help secure the best mortgage deal for you – fast, easy and free. Try our 60 Second Mortgage Qualifier.

Mortgage Qualifier

1 minute. That’s all it takes to find out if you are likely to be accepted for a mortgage and it won’t impact your credit score. It really is that easy.
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Mortgage Advisor introduction

We will match you to a Mortgage Advisor who will understand your circumstances and help secure the best mortgage for you.

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Completely free

Our Mortgage Advisor introduction and matching service is 100% free. We don’t charge a fee, your broker may charge once successful.
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I’ve previously been bankrupt, can I get a mortgage?

We are often approached by people who ask whether they can get a mortgage after being declared bankrupt. Now, the truth is that it is more difficult achieve mortgage application success with a poor credit rating, but it most certainly isn’t impossible.

There are specialist brokers out there that have the knowledge and expertise needed to make sure that a) your application is up to scratch and b) that you get access to a range of exclusive mortgage rates and offers that you won’t find on the high street.

Exclusive Niche Mortgage Deals

You shouldn’t despair if you’ve been turned down for a mortgage by every high street lender, because there’s a reason why you’ll have likely been unsuccessful when applying via traditional channels. Mortgage rates and deals from the major lenders are typically geared to the mainstream market, so it’s not surprising that you’ve found it tough to get an offer if you have been recently discharged from bankruptcy.

A specialist or niche mortgage broker will know where to find the best deals with the best rates for people in your position, so if any of the following applies to you, we can put you in touch with someone who can help:
You’ve been discharged from bankruptcy for over 3 years & have between 5-15% deposit
You’ve had a home repossessed in the past
Agency works – at least 12 months working history is needed
You’re looking for a buy to let mortgage after being discharged from bankruptcy
How long do I have to way after bankruptcy to apply for a mortgage?

Legally speaking, in the United Kingdom, you’ll have to wait for one year before obtaining any kind of credit after being discharged from bankruptcy. There can be special dispensations granted by the courts, but this is quite rare and has to be due to exceptional circumstances.

From the lender’s point of view, there are some companies that will offer you a mortgage from the moment you get discharged, but this will usually involve meeting some stringent criteria, less than favourable interest rates and a sizeable deposit.

The longer it has been since you’ve been out of bankruptcy, the better and the magic figure for most of our lenders is the 6 year point, as this is when it ‘falls off’ your credit file. It is possible to apply for and obtain a mortgage before that point, but if you do the application may be less straightforward and the rates offered that much less attractive.

So, if you’d like to know about the exclusive deals that are designed for people just like you, talk to one of our recommended brokers today!

Niche Mortgage Info is a guidance website and introducer and is not regulated by the FCA. All of the advisers we partner with work only for firms who are authorised and regulated by the FCA and specialise in a number of different fields. They will offer any advice specific to you and your needs. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice.

By making an enquiry you accept that your information will be passed to one of the specialists.