Just wondering what current rates are for ex bankrupt, 3 years discharged and partner with a couple of CCJ’s which are 4-5 year’s old.
Can we send our credit reports to you to see what is currently available? Will waiting until 4 years discharged mean a much better interest rate? I know option will be limited as only been in my perm job 3 months.
At this stage, you genuinely need to forget rates. My suggestion would be to determine if a lender is going to take your case on, when and on what parameters and then can you comfortably afford the rate/cost of the product.
Given the variables here (unless the Government announcement gets adopted by specialist lenders with the Mortgage Guarantee) you are likely to require a minimum of 25% deposit, but more likely 30%.
If you entire situation makes sense with regards to reason for bankruptcy, reason for time out of employment, saved deposit (not gifted) and incredible bank account conduct then there may be options with a Building Society with a lower deposit required.
Assuming your registration date was 4/5 years ago, this is unlikely to make a dramatic difference.
You can certainly email me your credit files to assess [email protected]