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Thanks for your enquiry.
I trust that you are now buying a Property with the aid of a Mortgage?
I look forward to hearing from you
Thanks for your reply.
Well, provided you have been discharged from your Bankruptcy, then the B Search will not reveal any of your details. The Bankruptcy search done by your Solicitor only shows current Bankruptcy affected people.
Having said this, I would still shop around and check that you will be OK for a Mortgage- Banks and B Society's do a credit check, rather than a Bankruptcy search. I do note however that you have a good credit rating, so you shouldn't have any problems.
I hope this answers your question, and if so, I would be grateful if you could leave positive feedback.
The Conveyancing Bankruptcy search reveals only existing Bankruptcy cases or orders.
From a personal point of view, what I do is carry out the Bankruptcy search, and if there are any entries with the surname of my client, I then go on the Insolvency website to firstly check if the entry is indeed my client, and if it is, to check the full details.
You therefore have nothing to worry about!
No- you will still have to declare it on the Mortgage application (as I have said, the Banks carry out different credit checks to us Solicitors, and you therefore need to be honest).
I am not sure which Land Registry document you are referring to? As you say, a Bankruptcy notice is only ever registered against a property that the Bankrupt owns, so if you have never owned a property, the Land Registry shouldn't have any records, and your Solicitor would not carry out a general Land Registry search to see if you have ever been made bankrupt.
As I am not a Mortgage broker, I don't honestly know exactly what other records Banks have, other than doing the standard credit history check. If you were granted a Mortgage 2 years ago, that implies to me that any Bank would grant you a Mortgage now.
However, what I would suggest is that you phone up one or two Mortgage brokers for an initial chat (they will do this free of charge as they will want your business) and find out from them.
I hope this assists and good luck!