Mortgage after bankruptcy in 2010

Wookster11

Hi all, I went bankrupt in 2010 received an early discharge in 2011, I received a three year IPA order and repaid in full, since being discharged I have never had any adverse credit or a single debt, I have a credit card with 0 balance, and savings.

My partner who has no history of poor credit and I applying for a shared ownership property, I have declared my bankruptcy as it asked if you have ever been declared bankrupt (I am aware of after 6 years is drops of Credit file.)

Does anybody know after 13 years of good credit will the Bankruptcy still go against me.

Thanks

ACG

Some lenders hold internal records going back further. If they had to write off a penny, it would be an automatic decline. 

But in the main 99% of lenders would be ok. 

kingstreet

Some lenders won't lend to anyone with a historic bankruptcy. Santander being one. Be careful to avoid such lenders or use an experienced shared ownership broker.