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Home » Mortgages » Bad Credit Mortgages » Defaults/CCJs

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When it comes to CCJ mortgages we are the experts that you can trust – we have helped countless people like you with often complex mortgage applications. We take pride in providing a personal service without judgment.

Our cutting-edge technology can search thousands of mortgage products, which often includes products from specialist CCJ mortgage lenders that you may not find readily available elsewhere.

Take the first step towards a new mortgage or remortgage today by using our CCJ mortgage calculator.

 

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Default/CCJs FAQs

Can you get a mortgage or remortgage with a CCJ?

While granted it can be difficult to get a mortgage or even a remortgage with a CCJ, the good news is that it’s not impossible.

Like all mortgage applications, including specialist mortgages, if you can demonstrate proven income and clear credit history since the CCJ, then this will work in your favour.

While there are CCJ mortgage lenders out there, they will often consider how much time has passed since the CCJ – they like all lenders still need to consider the risk, and of course your ability to make repayments.

Having an experienced mortgage adviser on your side could prove to be invaluable. We will match you with an adviser that has a proven track record of securing CCJ mortgages, who will be with you every step of the way.

Does the date of my CCJ matter for a mortgage?

Yes. Each lender may look at CCJs differently, although more often than not they will consider how long ago the CCJ was issued, along with when or if it was settled.

How long will a CCJ remain on my credit file?

A CCJ will remain on your credit file for six years from the date it was served. It may remain on your file even if you pay off the CCJ. If you however have paid the CCJ in full within 30-days of it being issued, or have successfully disputed the CCJ in the first place, then you can request for the CCJ to be removed from your file.

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With a Mortgage Experience adviser on your team, you can sit back, relax, and make yourself a cuppa, safe in the knowledge that we will be doing all the heavy lifting to find you a suitable low credit rate mortgage. This gives you more time to pack, and well, do the actual physical heavy lifting (should you wish) as you move into and enjoy your new home.

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