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48-Hour Decision
Typical turnaround
500+ Clients
Manchester & beyond
Your Timeline
After an IVA
During IVA
Getting a mortgage is extremely difficult. Focus on completing your IVA and maintaining clean credit on anything outside it.
Just discharged
Very limited options. A small number of specialist lenders may consider, with a large deposit and a compelling story.
1–2 years post
More lenders become available. Rates are still higher than mainstream. A solid deposit (20%+) is important.
3–4 years post
Good range of specialist options. Rates begin to improve. Many clients can access near-mainstream rates at this stage.
6+ years post
IVA falls off your credit file. Mainstream lenders become accessible. Remortgage to standard rates becomes very achievable.
After Bankruptcy
12 months discharge
Some specialist lenders will consider. Large deposit required (25%+). Rates are significantly above mainstream.
2–3 years discharge
More lender options. Improved rates. A 20%+ deposit opens up meaningful competition.
6 years discharge
Bankruptcy falls off your file. Mainstream options open. Remortgage to a standard rate becomes realistic.
Key fact
Bankruptcy in England and Wales typically discharges automatically after 12 months. Some specialist lenders will consider mortgage applications from that point.
Rebuilding Your Credit
Register on electoral roll
One of the simplest ways to improve your credit score. Ensures your address is verified across lender checks.
Credit builder card
Use a credit builder credit card responsibly — spend a small amount monthly and pay in full. This builds positive credit history.
Keep existing accounts clean
No missed payments on any accounts. Even a single missed payment can significantly affect your next mortgage application.
Build a savings history
3–6 months of regular savings deposits shows lenders financial stability and strengthens your application.
Every case is unique. Call 0161 000 0000 for a completely confidential assessment.
Tell us when your IVA or bankruptcy was discharged and we'll give you an honest assessment of your options — with no judgement and no obligation.
Book Confidential ConsultationYour home may be repossessed if you do not keep up repayments on a mortgage.