Mortgages after Bankruptcy

Get started
illustration of Bankruptcy

Can I get a mortgage after bankruptcy?

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.

To get access to the right mortgage for you, you need a specialist mortgage broker. And that’s where we come in. The brokers we work with know which mainstream or specialist lenders to approach who’ll offer you the most competitive interest rates. They’ll know the best options available to you and how to get you a mortgage approved with a bankruptcy. 

The complex stuff is all we do. We’ll match you with a specialist bankruptcy mortgage broker with experience getting mortgages for people just like you. Make an enquiry to get started.

Got questions?

How does bankruptcy affect getting a mortgage?

Do I need a larger deposit if I have been declared bankrupt?

Will my mortgage rate be higher after bankruptcy?

Will all lenders consider a borrower after bankruptcy?

How soon after bankruptcy can I apply for a mortgage?

Do I have to declare bankruptcy even if it has dropped off my credit file?

How do other credit issues after bankruptcy impact mortgage applications?

How can I improve my chances of getting a mortgage after being declared bankrupt?

Why use Haysto?

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.

Read our story

We help when others won’t

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.


Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.


Your success is our success

We only get paid when your mortgage is approved.


Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.

Image of mortgage broker Ben Patten

Ben Patten

View bio
Image of mortgage broker Luke Grosse

Luke Grosse

View bio
Image of mortgage broker Sarah Earnshaw

Sarah Earnshaw

View bio
Image of mortgage broker Yogesh Parekh

Yogesh Parekh

View bio
Image of mortgage broker Jemma Talliss

Jemma Talliss

View bio
Image of mortgage broker Paul Clark

Paul Clark

View bio
Image of mortgage broker Lynn Cutts

Lynn Cutts

View bio
Image of mortgage broker Steve Hatton

Steve Hatton

View bio
Image of mortgage broker Jeanette Clark

Jeanette Clark

View bio
Image of mortgage broker Carrie Knight

Carrie Knight

View bio
Image of mortgage broker Jonathan Hunting

Jonathan Hunting

View bio
useful links

Our Guides

Applying for a mortgage or understanding your options shouldn't be confusing, yet there are just so many myths doing the rounds and it's not easy to know where to turn to get the right advice.

Get connected to a specialist bankruptcy mortgage broker who can make a mortgage possible for you.

Haven't we met before?