Although details of secured debts (mortgages, secured loans, charges, etc.) are included in the online submission to the Insolvency Service (the courts are no longer processing bankruptcies), bankruptcy is mainly concerned with the liquidation of unsecured debt. The exception to this is when a property is going to be repossessed. In this instance, the property is included as a foreseeable debt and any shortfall after the eventual sale of the property, is included in the bankruptcy. You would not be liable for the shortfall even if the final figures became available a year later.