I've got a 2 yr fixed rate that finishes at the end of this year, going back onto the standard variable rate is going to bump my mortgage payments up quite a lot. We've had a letter from the building society informing us the deal is ending and to go in and discuss what we'd like to do (we're with Nationwide and could in theory go onto another fixed / tracker rate). My question (before I waste time going) is this, are we likely to have any problems going onto another fixed or discounted rate due to my bankruptcy? Does anyone have any experience of this at all? It looks like if we could change to another fixed rate that we could actually save money on our current mortgage payments which would help. Do they credit check just for a change of product or would they only do that for additional borrowing?