Looking for a mortgage after Bankruptcy

Have either of you ever had a house repossessed? If so you'll have a very hard time.

You haven't posted the approx LTV you're looking at - that will help people give you some idea. 20% deposit absolute minimum, and even that may only be from the January coming (I assume you were discharged Jan 2013??).

3 years since discharge (4 since bankruptcy date) 20% down seems to be a good minimum requirement. Ultimately it will still come down to affordability, they'll be harsher than usual with income multiples & stress testing a interest rate rise.

See http://forums.moneysavingexpert.com/showthread.php?t=2918012 - a very positive thread, although OP had been discharged for presumably 4 and a half years. In any case it was approx 5 & 1/2 years since BR date.

Bath Building Society are on that list for example - They are still BR friendly and will consider you once you have been discharged for 3 years.

You will need the lending criteria of lenders to assess your chances. You can either use a broker (make sure you get some recommendations for an independent one with experience of bankruptcy & adverse credit mortgages) or do the leg work yourself.

In terms of approval chances, no idea if using a broker will give you a better chance of approval at some lenders?? Some lenders don't care if you are via a broker or direct

Best of luck - unless you urgently need to move, I'd consider waiting until January if January will be your 3rd year since discharge. The first 3 years are very hard as in the grand scheme of things it's not *that* long ago.