Yes — but expect strict criteria and a longer wait.
A DRO is one of the most serious types of debt solutions, and it can leave a long-lasting mark on your credit file. But if you’ve completed your DRO and started rebuilding, getting a mortgage is still possible — with the right lender and a bit of patience.
🧾 What Is a Debt Relief Order (DRO)?
A DRO is a legal solution for people with low income and minimal assets who can’t repay their debts. It freezes your debts for 12 months — and if your situation doesn’t change, those debts are written off.
It remains on your credit file for 6 years and can severely impact your mortgage eligibility.
🕒 How Long Should I Wait After a DRO?
Most lenders will want:
- At least 12 months since the DRO ended
- No new credit issues since
- A decent deposit (20%+ is usually needed)
- Proof that your finances have stabilised
💡 The more time that passes, the more lenders may become willing to consider you.
📉 Will I Need a Specialist Lender?
Yes — high street banks typically decline applications from people with a DRO history.
Specialist lenders look at:
- How long ago the DRO occurred
- Your affordability and income
- Credit behaviour since
- Size of your deposit
💡 How to Improve Your Chances
✅ Save a larger deposit (aim for 25% or more)
✅ Register on the electoral roll
✅ Maintain a perfect payment record post-DRO
✅ Avoid taking on new credit
✅ Use a broker to approach the right lenders
💬 Let’s See What’s Possible After a DRO
If you’ve turned your finances around after a Debt Relief Order, I’ll help you understand your options and match you with a lender that won’t dismiss your progress.
✅ Access to specialist lenders
✅ Honest eligibility checks
✅ Step-by-step help with your application