Mortgage advice post Bankruptcy

Get expert opinion. This is the place for new questions to be posted.
5 posts Page 1 of 1


User avatar
Posts: 1
Joined: Fri Aug 17, 2018 3:04 pm

Post by rob968 » Fri Aug 17, 2018 3:04 pm
Hi hope anyone can clear up a couple of things,
Basically voluntary bankruptcy in April 2012 had letter in 2013 for discharge, since then met partner who has a mortgage. Her son is joint mortgage holder wants off mortgage and we want to put my name on or just take my wage into account as my partner works part time and can not cover mortgage criteria on her own. Mortgage not up for renewal yet but will Natwest let us change names if we pay the correct solicitor fees ? Don't want to waste money arranging solicitors if they will say no. Any helpful advice be great not sure if this the right place to ask either but no replies of bankruptcy sites.
Cheers in advance

Lisa Thomas

User avatar
Industry Expert
Posts: 7308
Joined: Wed Dec 03, 2014 10:26 am

Post by Lisa Thomas » Fri Aug 17, 2018 3:25 pm

Oops sorry to shout!
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: ... Z5k9ZcC2MA 01752 786800


User avatar
Forum Expert
Posts: 28353
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Fri Aug 17, 2018 4:16 pm
I would suggest having a chat with either Ryan : memberlist.php?mode=viewprofile&u=18488 or Shaun: memberlist.php?mode=viewprofile&u=22837

Both are whole of market brokers with considerable experience in adverse credit applications and have aided many on this forum.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014


User avatar
Industry Expert
Posts: 1016
Joined: Thu Nov 03, 2011 10:03 pm
Location: United Kingdom

Post by Ryan » Mon Aug 20, 2018 7:42 am
We've certainly been able to assist others in similar situations to arrange a mortgage.

Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed?

Contact me at or via the expert page

Shaun Vickery

User avatar
Industry Expert
Posts: 767
Joined: Tue Feb 12, 2013 8:32 am
Location: United Kingdom

Post by Shaun Vickery » Mon Aug 20, 2018 10:45 am
It's a little difficult to determine your best course of action with the brief info you are able to provide through open forum but, for your income to be considered in any lender's assessment, you would have to be a party to the mortgage. From what you are saying this doesn't sound like it would be a problem to you. Nat West may take issue with your previous bankruptcy but whether you are better talking to them first or whether you are better looking elsewhere really will really depend on many other factors - for example the mortgage rate your partner has vs the rate it may be possible to secure elsewhere and any Early Repayment Charges that apply. If she has a competitive rate and you are keen to stay with them until the rate is due for renewal there is no harm done in talking to them.
Highly Commended at the British Mortgage Awards. For individual mortgage advice go to
5 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”