CCJ Mortgage
Get help with your CCJ bad credit mortgage application
Want a mortgage but have CCJ's? - If you want a mortgage and have CCJ's registered on your credit file you need a mortgage that will allow CCJ's to be registered without impeding the underwriting process - many people term these types of mortgages a CCJ mortgage.
If you have missed payments on loans or credit agreements and your creditors have applied for court orders and County Court Judgments (CCJ’s) have been put in place by the courts, things can seem daunting, especially 
if you want to apply for a mortgage. If you are a homeowner and have CCJ’s then things can become very stressful when any fixed or discounted deal comes to an end and you want to remortgage to a more competitive rate.
When people have CCJ's they tend to prefer to look at bad credit mortgages which will allow CCJ’s to be registered, such as a CCJ Remortgage or CCJ Mortgage rather than trying to get a mortgage from a high street lender or building society - to check if you have any CCJ's you can get your credit file which should show you when any CCJ's were registered, the amounts they were registered for and the amounts outstanding, your credit report will also show you if any CCJ's which are been registered have been repaid. Alternatively you can speak to a mortgage professional who understands the adverse credit mortgage market and which lenders would be willing to consider a mortgage application with CCJ's registered.
Adverse Credit Mortgage with a CCJ
I want a bad credit CCJ Remortgage
If you want to remortgage, either due to a special deal ending or you want to raise additional funds for home improvements or debt consolidation we could help. A CCJ remortgage is slightly different to a normal remortgage in that they are tailor made products specifically designed to allow people to remortgage with CCJ's and other adverse credit registered on their credit file.
Our specialist bad credit mortgage brokers have access to the whole mortgage market and have access to market leading products with competitive interest rates which allow certain mortgages and remortgage's to complete with the client holding CCJ’s on their credit file. The exact amount of CCJ’s they will allow will depend on your personal circumstances, how much you need to raise and the loan to value of the property - along with the lending criteria for the individual mortgage product but you can rest assured we are able to offer the very best deals available. The process is easy and it starts by you contacting us, simply fill in the form opposite and we will call you back today.
Adverse credit mortgage with a CCJ
I want a bad credit CCJ Mortgage
A CCJ mortgage is not too different from a remortgage, although there are typically a couple of differences in the way mortgage cases are viewed by a lender. Just like the remortgage's mentioned above, they will allow people with CCJ's registered on their credit file to apply for a mortgage - the products are tailor made to fit borrowers needs with CCJ's which is why they are sometimes referred to as a CCJ mortgage. They differ from a remortgage in a few ways - firstly you will need a deposit, with a remortgage people tend to use equity which has accrued in the property but obviously, with a purchase this is not normally the case, a minimum deposit would be 5% but we would suggest a minimum of 10% to give access to more mortgage products which in turn should mean you can look at getting you a better mortgage deal.
If you are not sure if you would could apply for a mortgage or remortgage with adverse credit CCJ's, finding out is easy.
Simply fill in the form at the top of this page and we will call you back or telephone 0845 094 2331
