Hi djscott21

I think any mortgage will depend on the available deposit.

According to the FAQ s on the register of insolvencies website, the info is there for a year after the completion of the trust deed.

Mark

Hi djscot21.

Further to Mark's comments the register of insolvencies keeps the information there for a year. A credit file will normally show details of a trust deed for six years from the start of it.

Mortgage lenders may ask on an application form if you have ever been in any type of personal insolvency (including a trust deed). If one of their team knew where to look (and had a reason to want to go looking) they could find the advertisement of a trust deed on the Edinburgh Gazette website archive for a very long time.

The fact is though that different mortgage lenders look at previous events such as a trust deed in very different ways. They also have various mortgage products, some of which are aimed at certain groups of people and some of which are aimed at others.

There are also many other factors that are equally as important as a trust deed a few years ago. For example, how much deposit do you have, what loan-to-value mortgage are you looking for, what other financial commitments do you have, what is the relationship between the sum you're looking to borrow and your earnings etc.

It all gets very complex, which is where mortgage brokers come in. They have access to mortgage lenders that you've probably never even heard of, some of which are more open-minded about previous credit issues than the big-name high street banks. I'd suggest getting in touch with one, they'll be able to review your circumstances and needs and review the mortgage market for you.