CCJ’s?

We can help you get a mortgage.

How does a CCJ affect my credit rating?

When a future lender checks your credit rating they will be able to see that you have a CCJ listed against you. This will tell them that you have experienced debt problems in the past that have led to legal action. Very often this means a lender refusing you credit, making it difficult to borrow money for a loan or mortgage.
Even if you have a poor credit history we may still be able to help you. Mortgages can be hard to obtain if you have a bad credit history especially with CCJ’s. Most providers and consultants do not take into consideration the unique difficulties and circumstances that can cause a client to fall into arrears or acquire CCJ’s. If you have CCJ’s we may still be able to help you, we have an excellent track record when it comes to helping people with bad credit and uniquely understand that a poor credit history does not necessarily mean a bad debtor.

Can I get a mortgage with a CCJ?
A specialist mortgage lender may be able to help you find a mortgage that suits your specific circumstances. Even if you have CCJ’s listed against you on your credit file, there are lenders who are willing to look at your credit rating and arrange a mortgage or re mortgage for you. The amount of interest you pay may be slightly higher than the regular high street lenders but this is due to the fact you are perceived as a higher risk borrower.
Our advisers will be sympathetic and understanding and will help you on the way to solving your bad debt situation and improving your credit rating. If you do decide to go ahead with a refinancing solution then our advisers can help you through the application forms and every step of the way.

With our help your CCJ mortgage be the end of your debt problems.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The overall cost for comparison is 7.0% APR. The actual rate payable will depend on your circumstances. Please ask us for a personalised illustration. A fee is chargeable only on completion, typically 1.5% of the loan amount depending on your circumstances (subject to a minimum of £1,000 and maximum of £3,000). For a mortgage of £100,000 the fee would be £1,500. Early repayment charges may apply and will vary depending on the mortgage.
Adding existing debt to your mortgage will increase both the repayment term and the overall cost.