Mortgages after bankruptcy

A question about : Mortgages after bankruptcy

Is there an easy way to find out how long after bankruptcy individual lenders will issue a mortgage?

From speaking with financial advisors I know that I am able to get a mortgage but each one I've spoken to has said that each lender has it's own criteria which is usually 1, 3 or 6 years after discharge. If there's an easy way to see which are worth looking at then that would be good. I obviously don't want any rejections on my credit record, which I've taken so long to clean up.

Many thanks.

Best answers:

• We tried with the Halifax 6 years after BR (partner has clear credit file) on 95% and it was a flat no. In March we will be trying for a 90% mortgage with aldermore.
  Halifax - 6 years post br
  Aldermore - 6 years post discharge
  Nationwide - 3 years
  I have found it useful to contact lenders direct and ask them. For example Teachers Building society said yes after 5 years bankruptcy but 25% deposit needed.
• Thanks for the advice and although there is a place called Toronto just down the road from me in County Durham I suspect you're in Canada.
  Just for any others in the same situation I tried Co-op as I bank with them but they stipulate 6 years.
• YBS were good to me .. max 85% LTV, 4 years post discharge (5 years post BR) and no repossessions were the important criteria, this was nearly 2 years ago and things are always changing so always good to check.
• I know several brokers who say three years, provided there has been no trouble in the interim and you have a minimum 25% deposit.
• Have you been able to secure a mortgage? Im in a very similar position, Husbands 6 year was up in Nov. 15% deposit 2 very secure jobs earning around 55k between us booking to buy in the 175k region.
  Desperately house hunting but all seems to be flats or mansions at the moment.