4 to 6 years?
I was accepted for a Nationwide mortgage less than 2 years after I was discharged from my TD. It was a right to buy, so I had a decent deposit (discount), but I don't know where the 4 to 6 years comes from.

Perhaps they meant 4 to 6 after it was signed, which is more realistic?

Here's the article (see Mortgage section within):

https://www.trust-deed.co.uk/repair-your-credit-rating.html

Hi hanram and welcome to the forum.

I wouldn't go on what that particular mortgage advice office has told you. As you have seen tinsoldier was able to secure a mortgage less than 2 years after discharge.

I've found that when you mention to a mortgage broker about a Trust Deed or Bankruptcy some have the automatic response of ether ÔÇ£you will never be able to get a mortgageÔÇØ or ÔÇ£it will be a long time i.e. 4-6 yearsÔÇØ. Like TDA has advised some don't know the market and others have no interest in going the extra mile to help a client secure a mortgage.

I know that for example Glasgow Credit Union will consider lending to someone as long as they have been discharged for at least 1 year and meet all of their other lending criteria.

I would shop around and try to speak with a number of independent brokers about a mortgage. You could also approach a lender directly and ask them about their lending criteria.

The most important thing you need to do is to ensure that your credit file has been tidied up and reflects the position that you are now discharged. If you have any defaults still showing on your credit file then this can hamper your ability to secure a mortgage.