Hi Jinty.

It's total nonsense.

It's the sort of thing a mortgage broker will say when either:

1 - They don't know what they're talking about.

2 - It's not business that they want to take on.

We've heard from plenty of people here who have obtained a mortgage much sooner than that after being discharged from their trust deeds.

Best to find a different broker to talk to I think.

As speedy and as helpful as ever TDA!
Thanks a lot 🙂

Was told by my lender 3 years after discharge , as my discharge was in November 2014 I could not get a mortgage from any other lender even though I earned enough to take it in my sole name.

A certain trustees actions forced me to sell my home of 49 years in March , this will be the first year I will not spend Christmas , my birthday and new year in what I called home, karma is coming to you at the end of this month pray we never meet .[}:)]

Hi, I was discharged from sequestration in May 2012 and I got a Mortgage earlier this year, I used a broker and got it with Skipton

Go to a broker covering whole of market.

I secured a mortgage with The Nationwide 2 years after discharge.

Hi JintyMcSkinty,

Just to echo what others have said shop around and speak with a couple of mortgage advisor about the possibility of securing a mortgage.

If you do that you will give yourself the best chance.

Tin soldier what was the name of the mortgage broker you used as we are hoping to move in 1 year and 3 months, we completed January 2015, discharged Nov-Dec 2015 (letter 5), I have letter 6 but my husband still waiting on letter 6 - year after letter 5?

You could try crisp financial LTD that's who I got my mortgage through although he does charge between 1-2% of mortgage