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369
Junior Member
366 Posts |
 Posted - 01 May 2012 : 19:46:01
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Hi All,
I went Bankrupt in Nov 2007 and I have been discharged now since September 2008, so I only have until Nov 2013 for it to come off of my Credit Reports. My question is - are any banks likely to let me get a mortgage after this date. Or will I have to go through an adverse mortgage lender or something? I have managed my accounts well, I have a credit card, store card and a mobile phone which i have managed well for teh past three years. Please advise. |
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 01 May 2012 : 20:11:16
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Possibly, it depends whether they ask if you've been bankrupt before, but it sounds like you will have a good credit rating at the time, so if you have a good deposit, then hopefully you will get a good deal.
There is an expert on iva.co.uk who deals with mortgages, maybe contact him for advice.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp |
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369
Junior Member
366 Posts |
Posted - 14 May 2012 : 15:19:19
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Hi,
I have contacted Ryan - IVA Forum and he has said that he will look into some options for me, which is great.
I am living with my boyfriend who already has a mortgage, he has £100K equity in the property - so we do not need a deposit - we will just be remortgaging - just with me on it as well.
Do you think this will make a difference as the LTV is 70%?
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 15 May 2012 : 13:23:21
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That's great news - let us know if he manages to sort things for you.
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
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| bankruptcyhelp.org.uk Forum |
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Hi All, getting a mortgage when bankruptcy comes off credit reports ?
