Mortgage advice

Hello all,

I wonder if you can help? :)

My wife and I are hoping to buy a house soon.

I have 10,500 in a Nationwide Save to Buy account, this is joint with my wife.

In theory this would get us a £200,000 mortgage.

We have between us 5,000 credit card debt (hopefully down to 2K in June)

I earn £45,000 and my wife earns £20,000 (although this will go up to £33,000 in September)

We have had clean credit reports for 5 1/2 years but prior to that we were both declared bankrupt when our business failed. There was no repossession.

Questions:

Will the bankruptcy make any difference as to whether we are accepted onto a mortgage?

Will that amount of credit card debt make any substantial difference?

Essentially is it worth waiting until the debt is gone / lower and the bankrupcy is off the record or will we ba accepted anyway- so just go ahead now?

Alternatively, does it matter? If I applied now and was turned down would that substantially affect my rating in 6-8 months?

I would especially appreciate help from brokers..

Thanks for your help!:)