Mortgage After Bankruptcy in London — Specialist Help Available
Getting a mortgage after bankruptcy in London is possible — especially once discharged and with time elapsed. Darryl Dhoffer specialises in post-bankruptcy mortgage cases and works with a panel of specialist lenders who consider discharged bankrupts.
🏦 What Lenders Look At
- Bankruptcy must be discharged
- Time since discharge — 3+ years opens significantly more options
- Completely clean credit since discharge
- Deposit — typically 20-25%+
- Stable income since discharge
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🎯 Get My Free Score →❓ Common Questions
Can I get a mortgage after bankruptcy in London?
Yes — once discharged, specialist mortgage lenders will consider you. Options improve significantly at the 3-year post-discharge mark. Darryl places post-bankruptcy cases regularly.
How long after bankruptcy can I get a mortgage?
You can apply immediately after discharge though options are limited. At 3 years post-discharge a wider specialist panel is available. At 6 years the bankruptcy drops off your credit file entirely.
What deposit do I need after bankruptcy?
Typically 20-25% within the first 3 years after discharge. As the bankruptcy ages, deposit requirements reduce.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.
This page is for general information only and does not constitute regulated financial advice. The Mortgage Geezer is a trading style of Access Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 301173. Registered in England No. 04427489. Registered office address Access Financial Services Ltd, Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN.