Bad credit mortgage and Onlinemortgageadvisor

Contracts_Engineer

Has anyone been bankrupt and then gotten a mortgage?

I've read the permanent post on the bankruptcy board but any new info would be valuable.

Also has anyone had any dealings with a specialist broker or with "online mortgage advisor". Onlinemortgageadvisor.co.uk

ACG

Ive not had any dealings with that website, I have never even heard of them.

It is possible to get a mortgage following bankruptcy. The odd lender says 12 months post bankruptcy, a few kick in after 3 years and then more beyond that.

It will come down to the finer details - who you owed money to (if its any of the more lenient lenders then it may come back to haunt you, once bitten and all that), how old the bankruptcy is, how your payment history has been since the bankruptcy and the size of the deposit.

Contracts_Engineer

It's a 15% deposit (£26250) and when I apply next May I will of been discharged four years.

If anyone has had any experience of this or could recommend a company it would be appreciated

Senior_Paper_Monitor

Doable - subject to financial profile since (as ACG indicates).


Picking up on your user name - what is your employment basis (may further complicate the issue in terms selecting lender)

Contracts_Engineer

Full time employment at the same place for the last decade.
Construction company

Senior_Paper_Monitor

That's one problem out of the way then