Hi I managed to get a DIP today via a broker and they're confident it should all be ok. I declared my trust deed and the only criteria they had was it had to be 3 years post discharge, no defaults or adverse for the past 6 month and have to pass the affordability checks.

I'll let you know how things go. I can't process to full application until 05/03/17 as that's when I'll be 3 years post trust deed.

There' are 2 lenders that can consider me, but that's because I'm specifically looking at help to buy. There will be more options if it's a standard mortgage and may have different criteria. I used a whole or market broker who have been fantastic so far. I'd defo recommend this when you're ready to go for it.

Cheers suits2017. Good luck #128077;

Glasgow Credit Union could be someone to approach for advice. They promote that it's a person rather than computer software that makes the lending decision on a mortgage. Only catch is you need to live or work in a G postcode.

They advised me a number of years ago they would consider someone 1 year after their discharge as long as they met the rest of their lending criteria.

I don't think brokers will be aware of them and they don't tend to feature on comparison websites.