If you are an undischarged bankrupt you have to declare that you are a bankrupt to any company you were looking to get finance from. When combined with the fact that your bankruptcy is on your credit file, I am sorry to say that you will struggle to get a mortgage if you're bankrupt. If you have been discharged your bankruptcy will remain on your credit file for 6 years. It doesn't stop you getting a mortgage but makes it difficult and relatively expensive.

You may find this bankruptcy information useful.

Secured debts and mortgages are not included in bankruptcy and the OR will have no interest in your mortgage. The OR is only interested in the equity in your property. You can carry on paying your mortgage as normal. If there is equity the OR will want to realise this, you usually have 12 months before any action is taken, and a maximum of 3 years. You may be given the oppourtunity for a friend/family member to by back the beneficial interest from the OR. This will be your share of any equity of the house is jointly owned, or the whole amount of equity if you are a sloe owner. If there is no equity in the house you may be offered to buy the BI for £1 + costs (currently £211). In all circumstances, if you remain in the house your mortgage and house ownership remains unchanged.