We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Buy to let mortgage - discharged bankrupt

Tammy2
Tammy2 Posts: 284 Forumite
Debt-free and Proud! PPI Party Pooper
edited 22 January 2015 at 10:31AM in Mortgages & endowments
This might all come to nothing, but I'd like an idea anyway.

What are the chances of a discharged bankrupt (of some 11 years) getting a buy-to-let mortgage with a 50% deposit?


Edit: Yep - it's come to nothing. Totally unexpected and different scenario now!

Thanks anyway.
To Do 2015
Claim back PPI & packaged bank account fees
Take (further) first steps in investing (S&S ISA)
Start saving for the children
Start a business
+ £2015 in 2015 from home / £5026.21

Comments

  • Dave_Ham
    Dave_Ham Posts: 6,045 Forumite
    Tenth Anniversary Combo Breaker
    Possible yes, but much more information required with income and property type being the 2 most likely to be a barrier
    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.
  • Tammy2
    Tammy2 Posts: 284 Forumite
    Debt-free and Proud! PPI Party Pooper
    Single income of 75k (ish). But ideally a joint mortgage.

    Also, only a 15yr mortgage as my OH is 50.

    I should know what the possible scenarios are by tomorrow. Will post more details then.
    To Do 2015
    Claim back PPI & packaged bank account fees
    Take (further) first steps in investing (S&S ISA)
    Start saving for the children
    Start a business
    + £2015 in 2015 from home / £5026.21
  • Dave_Ham
    Dave_Ham Posts: 6,045 Forumite
    Tenth Anniversary Combo Breaker
    Assume one or both are you are homeowners and this should be achievable on sensible rates.

    Good lucj
    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.
  • Tammy2
    Tammy2 Posts: 284 Forumite
    Debt-free and Proud! PPI Party Pooper
    edited 18 January 2015 at 1:57PM
    Yes, joint home owners. Around £150K equity. £130K ish to go.
    To Do 2015
    Claim back PPI & packaged bank account fees
    Take (further) first steps in investing (S&S ISA)
    Start saving for the children
    Start a business
    + £2015 in 2015 from home / £5026.21
  • Dave_Ham
    Dave_Ham Posts: 6,045 Forumite
    Tenth Anniversary Combo Breaker
    Then depending upon property details should be achievable
    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.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.4K Banking & Borrowing
  • 253.7K Reduce Debt & Boost Income
  • 454.4K Spending & Discounts
  • 245.5K Work, Benefits & Business
  • 601.3K Mortgages, Homes & Bills
  • 177.6K Life & Family
  • 259.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.