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Mortgage after bankruptcy?

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Hi there, just wondering if anyone has experience of this, or could offer some advice?
Following a failed IVA / divorce voluntary surrender / bankruptcy I'm now looking to buy a house with my new partner.
I was discharged from bankruptcy in 2010, and have had no issues since. Our combined income is over £50k, no outstanding debt other than a mortgage of about £30k on a property worth £120k in his name only. We'd be looking to borrow up to £100k in both names to purchase a new build, LTV would be about 50-60%. Partners credit is spot on, mine is obviously marred by the discharged bankruptcy but affordability and deposit is not an issue.
Basically, would it be possible? Can anyone recommend any lenders that would be more accommodating of an ex-bankrupt? Anyone had a similar experience? All help / comments welcome.
Thanks :)

Comments

  • Dave_Ham
    Dave_Ham Posts: 6,045 Forumite
    Tenth Anniversary Combo Breaker
    I think there is every chance of success, with a high street lender.

    As you have done here, you have to declare the bankruptcy as the solicitors will search and have to alert the lender.

    The criteria differs from bank to bank, so would suggest you engage a broker who can manage this for you..

    Good luck
    I am a Mortgage Broker
    You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it.
    This signature is here as I follow MSE's Mortgage Adviser code of conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
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