Property now reposessed... what next?

emmarbos

I declared bankruptcy in 2012 which included a mortgage with my ex partner. He was still living in the property at the time but was struggling with payments of things like the ground rent and maintenance. He stopped paying the mortgage a year later and the property was repossessed in October last year. I have just seen that there has been a notice of offer on the property - with about £60,000 neg equity.
I know that my bankruptcy will cover the neg equity and they cannot chase me for the debt. However, presently the mortgage is still showing as defaulted and open. How do I get this account closed or settled?
Has anyone else been through bankruptcy and repossession that has later down the line purchased a property again? If so how did you go about doing this, and what lenders did you approach? (I appreciate this could be a long time off I just want to be pre-advised so that i can do all i can now)

Foxy-Stoat_3

Your biggest hurled will be your next deposit, expect you will need to save up at least 25% of the purchase price. The next will be time, allow 6+ years after you are discharged before you think about applying for a mortgage again.

In about 2-4 years after you are discharged apply for a credit building credit card and go from there.

If you want a mortgage again plan 6 years into your future.

emmarbos

Since being discharged I have most recently become engaged and my partner and I wish to own our own house (renting is killing us at the moment). He is planning on purchasing a house after the wedding next year, we nearly have the deposit together for that, and being a builder we are looking for a few properties to do up and move on to the next to increase our equity/deposit. Then we were hoping that when I am available to go onto a mortgage to then get a joint on a larger family sized property.
I just wondered what the stance was about repossession as apposed to bankruptcy, and do they go by your bankruptcy date, repossession date or the date that the mortgage was settled?