Yes, you can get a mortgage after being bankrupt. But it can be more difficult as you’ll have fewer options available to you. That’s because some high street and mainstream lenders will refuse to give you a mortgage if you’ve ever filed for bankruptcy. However, there are specialist lenders who will consider mortgage applications, so you do have options.
To increase your chances of a successful application, work with a specialist mortgage broker who understands your financial situation, your credit issues and has relationships with specialist lenders. Often, specialist lenders aren’t available directly to you as a borrower. A lot of the time, they’ll only offer a mortgage through a specialist broker.
This is because many mainstream mortgage brokers don’t have the experience or relationships with specialist lenders to help people who’ve gone through a bankruptcy. Some do, but a lot don’t. And that’s why applications get rejected unnecessarily.
Our Mortgage Experts know which mainstream or specialist lenders to approach for the most competitive interest rates. They’ll look at your options available and make a plan to get your mortgage approved with a bankruptcy.
The complex stuff is all we do, and our experts are specialist bankruptcy mortgage brokers. Make an enquiry to get started.
If you’ve got a history of bankruptcy, it can be difficult to get accepted for a mortgage. You might be worried about how long you need to wait until you can buy a home. The good news is it's still possible to get a mortgage after being bankrupt, but you'll have different options compared to someone with a perfect credit score.
We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.
Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.
No robots, no automated answers. We use technology to connect you to a real person. Not replace them.
We only get paid when your mortgage is approved.