Can my independent mortgage broker Halifax still get a mortgage if I have been bankrupt?
If you’re looking for a mortgage and you’re using an independent mortgage broker Halifax the answer should be yes. Having a bankruptcy should still allow you to obtain your mortgage finance. However, all client’s individual circumstances are different and unique. It would be prudent to discuss your bankruptcy with your independent mortgage broker Halifax when you’re looking for a mortgage with bankruptcy.
Declare the bankruptcy to your independent mortgage broker Halifax
If you are looking for a mortgage with bankruptcy then you must without doubt declare the fact of its existence to your independent mortgage broker Halifax. The bankruptcy would be registered under public record which means it would be in the public arena and could be searched by anyone who may want to perform a search for any outstanding debts against you. Having a bankruptcy registered against you can be very serious and will limit you to the number of mortgage lenders available to you.
Using your independent mortgage broker Halifax could save you time, effort and in most cases money
Having a bankruptcy registered against you can really cause you a lot of problems when trying to apply for your new mortgage or remortgage. It would in most cases be declined if you were to attempt to obtain a mortgage via the high street. Using an independent mortgage broker Halifax could save you the time of going from bank to bank explaining the situation to them, it will save you the stress of being declined because of the bankruptcy, it will help in so many ways. When you’re looking for any kind of bad credit mortgage but especially when you have an outstanding or historic bankruptcy it really is the better less stressful route to getting your bad credit mortgage by using an independent mortgage broker Halifax.
How long will the bankruptcy remain on my Experian or Equifax credit report
The bankruptcy public record is deleted from the credit report either seven years or 10 years from the filing date of the bankruptcy, depending on the chapter you filed. Chapter 13 bankruptcy is deleted seven years from the filing date because it requires at least a partial repayment of the debts you owe. If you need any further clarification when you’re looking to apply for a bad credit mortgage especially with an outstanding bankruptcy, speak with your independent mortgage broker Halifax.
Having a bankruptcy or existing credit problems or historic bad credit shouldn’t prevent you looking for your bad credit mortgage
It goes without saying that if you have had past credit problems or you currently have a bankruptcy or default it really can make it more difficult to get a mortgage, although that doesn’t mean it will be impossible for you to buy a home or remortgage your existing home with bad credit. Some lenders but much more important to be aware of some more specialist lenders beyond the big high-street names – can accommodate borrowers who have a poor credit history.
Types of borrowers that a specialist mortgage lender may be able to assist are:
- Foreign nationals
- Foreign visas such as:
- Tier 1 visa
- Tier 2 visa
- Spousal visa
- Student visa
- Section 106
- Right to Buy
- Ex-Pat mortgages
There are many other reasons why using a specialist mortgage lender may be the solution you may need. Speaking with your independent mortgage broker Halifax you can discuss your individual bad credit mortgage requirements.
Let your independent mortgage broker Halifax assist you in finding the best bad credit mortgage
Using your independent mortgage broker Halifax to assist you in finding your perfect bad credit mortgage pays dividends check out our testimonials page. We have an amazing history of supporting foreign nationals with a Tier 2 visa, spousal visa and expat mortgages deals.
Why Choose Independent mortgage brokers Halifax for a bankruptcy Mortgages?
Choose Independent mortgage brokers Halifax– we really are your bad credit mortgage company
Here at Independent mortgage brokers Halifax we have a wealth of experience in all types of mortgages as well as adverse credit mortgages. Putting all of this together it simply means that if you have a bankruptcy in your name, we’re the independent mortgage brokers Halifax you need to approach for your bad credit mortgage needs.
Having a bankruptcy could cause you a problem when applying for your bad credit mortgage.
We pride ourselves on our bad credit mortgage process, service, and results. Having a bankruptcy is without doubt a problem when you begin your search for your bad credit mortgage. Your options are severely limited, the chance of even obtaining the agreement from even a specialist lender can be very difficult. However, speaking with your independent mortgage broker Halifax and working with them. Using the help of our expert advisers, we will look to pre-underwrite your bad credit mortgage, we will also provide you with the support from your dedicated case manager. Using an independent mortgage broker Halifax will surely give you a better chance of securing your bad credit mortgage with a bankruptcy. Please discuss your requirements with your independent mortgage broker Halifax.