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The Bankruptcy Service Case Study Example: Getting A Mortgage After Bankruptcy

The following bankruptcy case study is a fictitious example, designed to help you understand working situations where bankruptcy is and isn't appropriate.


We look at life after bankruptcy, and the restrictions placed on you. This particular question relates to buying a property.


Can I get a mortgage after bankruptcy?


Yes, it is possible – but certainly not probable. A bankrupt has no chance of a mortgage before discharge, or soon after, but with time, your chances increase. The first key date is three years after the date of discharge, on the premise that you have had new financial problems in that period. You may not get the best deal, and a substantial deposit may be required – however, it is possible.


For more information on how bankruptcy may affect your living arrangements, visit our page: Bankruptcy UK & Your Home
Free debt counselling and advice is also available from the Money Advice Service available at: www.moneyadviceservice.org.uk

TheBankruptcyService.co.uk doesn't charge a fee for its bankruptcy service, but receives remuneration from the partners that we work with in order to keep TheBankruptcyService.co.uk operating. Those partners must charge a fee to the customer to likewise cover operational costs, and this amount will vary depending on the solution offered, and the terms of the parner. For details of these terms, please refer to the website of the organisation dealing with your bankruptcy. Upon application with TheBankruptcyService.co.uk, we will forward your information on to one of our specialist debt partners. You will then be contacted, and you will be able to explain your case, and expert advice will be offered in order to ascertain the most appropriate debt solution.