Can I Get a Mortgage After Bankruptcy?
Yes, you can get a mortgage after bankruptcy, but you'll need to wait until you're discharged.
Most lenders require you to be discharged from bankruptcy for at least 1-3 years before considering your application. Some specialist lenders will consider applications from day one of discharge, though with higher deposits and rates. The longer since your discharge, the better your options become.
Your home may be repossessed if you do not keep up repayments on your mortgage. Your Home Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA 989177).
Key Points
- 1You cannot apply for a mortgage while still bankrupt (undischarged)
- 2Discharge typically occurs after 12 months of the bankruptcy order
- 3Most mainstream lenders require 6+ years since discharge
- 4Specialist lenders may consider you 1 year after discharge
- 5You'll likely need a 15-25% deposit minimum
- 6Building a positive credit history post-discharge is essential
Eligibility Criteria
- Must be discharged from bankruptcy (not undischarged)
- Minimum 1 year since discharge for specialist lenders
- 3+ years since discharge for more competitive rates
- Deposit typically 15-25% of property value
- Clean credit record since discharge
- Stable employment and income
Typical Timeframe
Bankruptcy stays on your credit file for 6 years from the date of the order. After discharge (usually 12 months), you can start rebuilding credit. Most people can secure a mortgage 3-6 years after discharge with improving options each year.
Next Steps
- 1Confirm your discharge date and obtain discharge certificate
- 2Start rebuilding credit with a credit builder card or account
- 3Save for a larger deposit to improve your options
- 4Avoid any new credit problems or missed payments
- 5Speak to a specialist broker who understands post-bankruptcy lending
Ready to discuss your options?
FCA regulated advice tailored to your situation
Related Questions
For more detailed information about this topic, visit our comprehensive guide:
Bad Credit MortgagesContent reviewed: 13 January 2026