He is best advised to approach a reputable mortgage broker. He needs to be completely open about the past problems. There are lenders who will offer loans to people like him, but they do cost a little more, as the risk of default is perceived to be higher. An extra 1% on the interest rate is not uncommon.(posted 8636 days ago)A reputable broker will help him find a suitable loan and use their contacts in the industry to find him the best deal.