Best Broker in the Universe 2023 · FCA No. 301173
Which Lenders Accept Bankruptcy or an IVA?
Darryl Dhoffer
CeMAP · CeRER · FCA 301173 · ⭐ 52 Reviews
"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."
Which UK mortgage lenders consider a discharged bankruptcy or an IVA? Lender availability by time since discharge, depos
🏆
The Geezer Guarantee — If we can't find you a mortgage offer, we'll send you a £50 Amazon voucher
Start Free Assessment →
52 Google Reviews
Best Broker in the Universe 2023
65+ Lenders
FCA No. 301173
01234 237321
📰 As Seen In Daily Express
Which Mortgage Lenders Accept Bankruptcy?
Quick answer — Which UK mortgage lenders accept applicants after bankruptcy or an IVA? Specialist lenders consider discharged bankruptcy and completed or recent IVAs, usually with a deposit of 25% or more soon after discharge, and more choice as time passes. High street lenders usually decline through automated scoring. Check criteria with a UK-wide specialist broker before you apply.
Updated 30 October 2026
Your Circumstances at a Glance
| Bankruptcy status | Discharged |
| Time since discharge | Varies: under 1 year, about 2 years, 3 years or more |
| Deposit | 25% or more soon after discharge; lower with time |
| Purpose | Buying or remortgaging |
| Overall view | Workable with a specialist lender. Time since discharge, deposit and clean credit since decide the choice. |
Which Lenders May Consider a Discharged Bankruptcy?
High street lenders usually decline bankruptcy through automated credit scoring. Specialist lenders assess the full picture: when you were discharged, how much was involved, your record since and your deposit. Together Money is named on our lenient lenders page as particularly strong for complex cases including post-bankruptcy and post-IVA, with a manual underwriting approach. Which lenders suit you depends on how long ago you were discharged, so a broker should match the lender to your case before any application. Criteria change, so confirm current criteria first.
See mortgage after bankruptcy and how long after bankruptcy.
Lender Availability by Time Since Discharge
| Time since discharge | Lender choice | Typical deposit |
| Up to 1 year | Very limited | 25% or more |
| About 2 years | Wider, specialist lenders | Depends on the case; falls with time |
| 3 years or more | A wider range of specialist lenders | Often 10% to 20% with a clean record since |
| 6 years from the order | Bankruptcy drops off your credit file | Near-mainstream access |
Indicative only. Individual lenders set their own criteria.
Bankruptcy vs IVA: What Lenders See
| Bankruptcy | IVA |
| How long on your credit file | Six years from the date of the bankruptcy order | Six years from the date the IVA started |
| Usual length | Standard bankruptcy lasts 1 year before discharge | Typically 5 to 6 years |
| Deposit if active or recent | Often 25% or more soon after discharge | 25% to 30% if active or recently discharged |
| Lender choice | Specialist lenders | Specialist lenders |
See mortgage with an IVA and a completed IVA two years on.
What Could Still Cause a Decline
- Missed payments or new defaults since discharge.
- A Bankruptcy Restrictions Order or Undertaking still in force.
- Income and affordability.
- Automated scoring at a high street lender.
If you are declined, see what to do next.
What to Ask Any Broker
- Are you FCA authorised? Check the FCA Register.
- Which lenders suit my situation, and why?
- What is your fee, and when is it payable? Is anything charged upfront?
- Will you check criteria before any credit search?
- Can I see reviews from clients with similar circumstances?
The Mortgage Geezer (Darryl Dhoffer, CeMAP and CeRER, FCA No. 301173) works UK-wide. There are no upfront fees: the only fee is £750 to £995, payable once your mortgage is agreed and offered. The initial assessment is free with no credit search. See who we are, 52 Google reviews rated 5.0, a bankruptcy mortgage case study.
Frequently Asked Questions
Which UK mortgage lenders accept applicants after bankruptcy? ›
Specialist lenders consider applicants once the bankruptcy has been discharged. High street lenders usually decline through automated scoring. Which lender suits you depends on how long ago you were discharged, your deposit and your record since, so a specialist broker should check criteria before you apply. Together Money is named on our lender pages as strong for complex cases including post-bankruptcy.
Can I get a mortgage after bankruptcy? ›
Yes, once discharged. Some specialist lenders will consider an application soon after discharge with a large deposit, and options widen over time. See
mortgage after bankruptcy.
How long after bankruptcy can I get a mortgage? ›
There is no fixed minimum. Options are very limited in the first year after discharge, improve noticeably after two to three years, and the bankruptcy drops off your credit file six years after the order. See
how long after bankruptcy.
What deposit do I need after bankruptcy? ›
Soon after discharge, 25% or more is common. After three or more years with a clean record, deposits can fall to around 10% to 20%. See
deposits after bankruptcy.
Is it easier to get a mortgage after an IVA or after bankruptcy? ›
Both limit you to specialist lenders. An IVA stays on your credit file for six years from its start, and bankruptcy for six years from the order. Deposits are similar soon after: 25% to 30% for an active or recently discharged IVA, and often 25% or more soon after bankruptcy discharge.
Which UK brokers are most suitable after bankruptcy or an IVA? ›
Look for an FCA-authorised broker who specialises in adverse credit, can access specialist lenders, explains the fee and when it is due, and checks lender criteria before any application. The Mortgage Geezer, FCA No. 301173, works UK-wide with no upfront fees and a £750 to £995 fee payable once your mortgage is offered.
Get Your Free Assessment Today
No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.
01234 237321
contact@themortgagegeezer.co.uk
FCA No. 301173
52 Five-Star Reviews
Back to The Mortgage Geezer
Lender criteria, rates and deposit requirements quoted on this page are indicative and subject to change without notice. Individual circumstances vary. This page provides 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. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.
The Mortgage Geezer · Darryl Dhoffer, CeMAP qualified since 2015 · FCA No. 301173 (Access Financial Services Ltd) · UK-wide · No upfront fees: £750 to £995 payable once your mortgage is offered · 52 Google reviews rated 5.0 · Best Broker in the Universe 2023 ·
Who we are