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Mortgage offer from Halifax for discharged bankrupt
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Zoezoe
Posts: 1 Newbie
We are first time buyers, and have been offered a mortgage by Halifax. We are about to exchange contracts on a house but I'm worrying that my bankruptcy which happened over 6 years ago in feb 2009 will show up on the conveyors checks. We were told by our advisor that there checks only go back 3 years as there part of the same company (Sharman Quinney) so won't show up. Halifax asked the question have we been bankrupt in the last 6 years and the advisor answered no which is true as its 6 years 3 months.
I'm just worrying if it shows up and the conveyor tells Halifax they may pull out and we will lose all our money and the house.
I'm just worrying if it shows up and the conveyor tells Halifax they may pull out and we will lose all our money and the house.
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Comments
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Halifax are comfortable with bankruptcies registered over 6 years ago which yours appears to be.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.0 -
We are instructed only to answer yes to the bankruptcy question if it was registered in the last six years.
amn is correct.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, 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. Please do not send PMs asking for one-to-one-advice, or representation.0
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