Old Bankruptcy file

bastilletip

Hi,

I have had a FirstBuy scheme agreed, a mortgage offer from Nationwide in writing, everything going through and exchanging today.

Just reading forums on here though has got me worried.

10 years ago I was bankrupt. This is now not on my file, and my credit history/file is very good. I notice the solicitors do a 100 year bankruptcy search though.

Is this going to affect me? I completed forms through an advisor, and have not been asked about previous history at all, I have not lied or misled just answered the questions asked.

If yes and offer is withdrawn, is my deposit lost

sniggings

you only have to say if asked but as you say they do do a search, lets hope they don't find it, if they do you can try and talk to them, some people do manage to get a mortgage.

As for the deposit, depending which deposit you mean but if the mortgage deposit you will get that back if they refuse your application.