Mortgage after bankruptcy?

greybear40

Hi to everyone on the board. Just looking for some advice but slightly complicated so sorry if this is long-winded. I currently have a mortgage with ex husband and wish to remove him from mortgage and add my partner who has been living at address for 2 and half years. He is currently bankrupt (dated 18 June 2008, discharged one year later). My current mortgage is £26,500 and we want to borrow £50,000 as he has our caravan loan on hp which is around £17,000 left to pay and we want new windows and to clear all credit cards. Current property value is around £70,000 at a guess. First question is on Experian only 2 of the 4 defaults are showing from his bankruptcy but all 4 are showing on Noddle and 1 doesn't end until a month after bankruptcy date, shouldn't they still be showing? The property is timber framed so we can't go to all lenders but our mortgage advisor reckons Halifax would lend to us once bankruptcy ends as they only ask for details of any bankruptcy in last 6 years when you apply now. We switched banks to Halifax just over a year ago, don't know if this helps. My credit has been poor in the past but now the only blip is an arrangement from Studio that went back onto normal payment terms in Jan this year and some missed Provident payments from over 3 years ago (not my fault, down to collector!) My partners credit actually seems better than mine and we were shocked when Barclays lent him £18,000 for the caravan last August but we knew that was only temporary and it would be much cheaper for us to tie it in with the mortgage. Wasn't sure whether to post this on the bankruptcy forum or this one so have done both! Sorry about the long message. Just want to make sure after bankruptcy drops off file we can go for it!