Yes — but timing, deposit size, and lender choice are crucial.
Bankruptcy can feel like the end of your financial journey — but it doesn’t mean you’ll never own a home. In fact, several lenders will consider mortgage applications from people who’ve been discharged from bankruptcy.
Here’s how to make it work in your favour.
🧾 How Long After Bankruptcy Can I Apply for a Mortgage?
Most lenders want to see at least 12 months since you were discharged — but some prefer 2–6 years depending on the severity of your credit history.
💡 Bankruptcy stays on your credit file for 6 years, even after discharge.
💷 What Do I Need to Strengthen My Application?
✅ A bigger deposit — ideally 25%+
✅ Strong evidence of rebuilding credit
✅ No further adverse credit since discharge
✅ Stable employment and income
✅ A full explanation of the circumstances that led to bankruptcy
🧠 How Do Lenders View Bankruptcy?
🔴 High street banks may decline you outright
🟠 Specialist lenders consider applications with:
- Discharged bankruptcies
- Debt management plans (DMPs)
- Individual Voluntary Arrangements (IVAs)
Be prepared for higher interest rates at first — but better deals open up as your history ages.
💡 Top Tip: Check Your Credit Report
Make sure your bankruptcy status is correctly marked as discharged and there are no lingering defaults or balances incorrectly reported.
Use:
- Experian
- Equifax
- TransUnion
💬 Let’s Rebuild Your Mortgage Future
Your bankruptcy doesn’t define you — and it doesn’t have to stop you from getting a mortgage. With expert help, the right timing, and specialist lenders, homeownership is still achievable.
✅ Advice from a broker who understands complex credit
✅ Access to lenders that don’t auto-reject bankruptcies
✅ Step-by-step support with credit checks and paperwork