Key Post Switching or getting a mortgage after a PIA or bankruptcy

My husband went bankrupt in 2017 and discharged from it in July 2018. We got a mortgage off bank of Ireland last September 2021 so 3 years after he was discharged. He would have got one earlier but the house he previously owned was not sold until then so that delayed the icb and ccr from being updated. We had terrible problems with the ccr and icb. But got there in the end. Hope this helps. There is life after bankruptcy. Any questions feel free to ask

Happy to offer our experience..we entered a PIA in 2020 for 12 months. Had our mortgage with a vulture fund and due to increasing variable rates we applied for a switch and were accepted by Bank Of Ireland in 2023. Also a separate credit union home improvement loan. Plenty of hope !

Anon2013 said:

Happy to offer our experience..we entered a PIA in 2020 for 12 months. Had our mortgage with a vulture fund and due to increasing variable rates we applied for a switch and were accepted by Bank Of Ireland in 2023. Also a separate credit union home improvement loan. Plenty of hope !

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Hi Anon , we are in similar situation- just finished a successful PIA and wondering about possibility of switching our mortgage from Vulture Fund , any advice would be greatly appreciated.

I have moved a few posts into this thread to highlight cases where people were able to get a mortgage or switch a mortgage after PIA or bankruptcy.

PIA and Bankruptcy. Two very different subjects with very different implications.