Mortgage with a CCJ
A County Court Judgement on your file does not end the conversation. Angela specialises in mortgages with CCJs, settled or unsettled, with direct access to the sub-prime and adverse lenders who will take a view on your credit history when the judgement can be explained.
Turned down elsewhere? That is usually where this starts. Same-day decision in principle available for urgent cases.
Where you might be
- One CCJ, now settled
- Unsettled CCJ
- CCJ plus other credit issues
- First-time buyer with a CCJ
Can you get a mortgage with a CCJ? Yes
It can be tricky, but a number of lenders are willing to take a view on your credit history if the judgement can be explained. The job is presenting your case in the best possible light to the right lender first, rather than collecting declines from the wrong ones.
That includes first-time buyers with a CCJ, and mortgages with a settled or unsettled judgement. The right fit depends on when the CCJ was registered, its size, and your wider circumstances.
How Angela helps
As a specialist independent adviser she works with lenders who specifically accept CCJ cases, speaks with their underwriters regularly, and knows which criteria fit which files. The aim is a mortgage that works now and still works in the years ahead.
Based in Benfleet, Essex - advising clients across the whole of the UK.
From clients who stood where you are
Absolutely brilliant service from Angela and Nicole. My application must have been the toughest. I had 2 CCJs put on me wrongly even during the process of application, even though they were removed, a lender thoroughly dug into my accounts as they thought I was laundering money. Angela and Nicole worked together from early until late hours to ensure my application made progress. Reliable, swift, thorough and contactable! Honestly, a brilliant service, I'll definitely working with them again and I'd recommend them to anyone!!! I'd love to publicly thank and appreciate you both. Wish you both loads more well deserved business!
Angela and the team are really friendly and helpful throughout the entire process. Got me a mortgage with ease even though I have a unsatisfied CCJ. Email replies are really quick and have helped streamline the mortgage process and made it all very simple. I am very thankful for their help, especially being a first time buyer
Fair questions, straight answers
Does the CCJ have to be paid off first?
Not always. Both settled and unsettled CCJs can be considered - lenders differ on what they accept, which is exactly why the lender choice matters more than the application form.
How long after a CCJ can I get a mortgage?
It varies by lender: some want time and a clean record since, others take a fuller view of your circumstances. Angela will tell you honestly where you stand today, and if the answer is "not yet", exactly when to come back.
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Got a CCJ? Talk to us.
When it was registered, how much it was for and whether it is satisfied all make a difference to lenders. This is what we deal with every day.
Seven quick questions. Nothing touches your credit file.
or call 01268 387898