How can I get a mortgage with CCJs?
It’s very important before applying for a mortgage or remortgage that you contact credit agencies like Equafax and Experian to check your credit record to see if there is any bad credit such as a CCJ listed against your name.
It’s a fact of life that CCJs can be issued without you knowing anything about it. Shocking but true!
You can get a ccj for anything from very large unpaid bills, to an inadvertent non-payment of a utility bill such as your water or council tax. The problem is if you don’t settle the debt within one month, the CCJ will remain on your credit record for six years. The effect of this would be to greatly impact your ability to have a successful mortgage application.
However, if you have paid the amount outstanding on the ccj, you can apply to the County Court which passed the ccj to obtain a “Certificate of Satisfaction” which demonstrates to the mortgage lender that you have cleared the debt.
This usually costs about £20 to get the letter of satisfaction from the County Court and you would have to submit proof that you’ve paid of the debt in the form of a receipt from the creditor.
Despite the fact this payment may not enable to access standard high street mortgages, you could still get a ccj mortgage wether or not the CCJs are cleared or not.
If you do have a ccj or a number of ccjs on your bad credit record you need the help of a specialist broker. There are a numerous lenders that have formulated mortgage solutions especially for the sub prime or bad credit mortgage market.
We’ll make it possible for you to speak with an expert broker who has access to these products. It costs nothing to call The Bad Credit Mortgage Centre and a specialist is waiting now to receive your call…
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