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You cannot include your wife on the loan applications which is why I asked particularly since your LVR is above 80%. You can go to a specialised lender but a) they will charge you like a wounded bull and b) you can get the loan across the line with 2 mainstream lenders.

its tight but doable

1. When did you wife become bankrupt? 2. When will she be discharged? 3. Is the current property in both names or single name? 4. Can the new purchase be only in your name? 5. Order an upfront valuation to determine the exact equity against the current property which will go a far way in...