First Mortgage aged 49 ex Bankruptcy Help Needed

simplez

Hi Folks,
almost 13 years ago I went Bankrupt and was in a bad way.
I have been building up my credit history and a couple of years ago started a Help To Buy ISA which I now have £6.5k in.
I have a few other debts like a Credit card(0% 5k to pay) and a car loan (for my son still owing £6200 over next 16 months)
I'm coming towards my divorce being finalised so I'm looking to buy a house and have an API of £84k but my worry is that the bank will deny me the mortgage due to past financial history.
My credit rating is really good and I haven't missed any payments in my new life and have a 20k credit limit on my main credit card that I pay off in full monthly.
What are my chances and where is best for me to get a mortgage?
The estate agent wants me to go in tomorrow and discuss my mortgage options with them but I don't know if this is the right thing to do as don't want to apply for a mortgage that I'm likely to get turned down for.
P.S. I'm 50 in April so need to get the ball rolling as I only have 20 years left of employment.
Also do I have to wait until my divorce is final before I apply legally?
All advice greatly appreciated.
simplez

ashe

Have you taken a look at your credit reports to see how they look?

I would suggest using a broker rather than an EA mortgage advisor, they will have better chances.

lisyloo

and have an API of £84k

Sorry, but what's an API?

ashe

lisyloo wrote: »

Sorry, but what's an API?

Perhaps a typo and AIP?

simplez

Thanks for the replies
yes sorry "AIP"
895 OUT OF 999 on Moneysaving Expert Credit Club
507 out of 700 on Clearscore

simplez

Is it worth pursuing with this at my age and my credit score?

simplez

Made an appointment with a mortgage broker for. Monday evening.
I'm going to view a property tomorrow.
I just hope that I'm not wasting my time and I'm unable to get a mortgage.