Ask the Specialist

Capital Fortune are asked to help clients on a daily basis, whether it be with a new purchase, remortgage, buy to let or something more unusual. We typically help clients with non-standard, unusual or complex situations and have created this section to allow you to ask our team of specialists any question you may have. Feel free to browse the list of questions and responses. Please note we provide information only in response to the questions posed and not advice. If you do seek advice then feel free to speak to one of our Advisers by calling 0207 710 0400 or send us an enquiry online and one of our Advisers will call you back.

Previously Bankrupt in Northern Ireland

on 13 February 2017.

Hi,

Do any of the lenders that you work with provide adverse lending for properties in Northern Ireland?

My wife and I declared bankruptcy in February 2014 and were discharged in February 2015. We have money for a deposit but are struggling to find a lender. Many of the companies I have spoken to will not lend to applicants in Northern Ireland. Can you help?

Niall


Ask the Specialist response:

Hi Niall,

Thanks for your enquiry.

We are able to assist clients who have previously been made bankrupt in Northern Ireland, however, as of today I feel that we would struggle to assist. 

Most lenders who lend in Northern Ireland require any bankruptcy to have been discharged for six years, however, we have successfully assisted clients in the past who have been discharged for three years. 

Providing that there are no significant mortgage market changes we may be able to assist you this time next year although if you wish to find out more, I'd recommend speaking to one of our Advisers on 02077100400 or send us an enquiry online and one of our Advisers will call you back.

Capital Fortune