Mortgage for an ex Bankrupt and a previous repossession.. Help!

Blonde29

Hi,

Can anyone help?

I went bankrupt over 6 years ago and had my home repossessed over 7 years ago.

Can anyone advise if there is a mortgage lender that would consider me?

It will be 6 years this September from when i was discharged! I would not apply for a mortgage until after September.

It will be a joint mortgage with my husband, he already owns his own home with an excellent credit history with no arrears what so ever.

My credit file is now squeaky clean and i am now rebuilding my credit back up, by using a credit card on a monthly basis and paying it off before the bill is due.

If anyone can help and recommend i would really appreciate :rotfl:

I must add before anyone asks he cannot afford on his own this is why we need the joint mortgage!

Dave_Ham

Should be solutions now, although get some formal advice..

Blonde29

Dave_Ham wrote: »

Should be solutions now, although get some formal advice..

Does this mean that there is lenders out their that will be able to offer a mortgage?

We did use a financial adviser, however i may as well have done it myself... Waste of space!

I am wondering if i would be better to just do it myself, rather than using a broker etc?

amnblog

You won't do it yourself. You just need the right broker.

Many lenders live with historical bankruptcies but the repossession adds an extra dimension.

Blonde29

amnblog wrote: »

You won't do it yourself. You just need the right broker.

Many lenders live with historical bankruptcies but the repossession adds an extra dimension.

That's the hard part finding a broker that are specialist in these situations!

Do they not take my husband into consideration that he has an excellent credit history, and has had a mortgage for 10 years? 6 yrs of that i have paid towards but obviously this doesn't count as my name is not on the mortgage! It's so frustrating