fbpx

Mortgage Advice Experts

Menu
  • Home
  • Videos
  • Mortgage Calculators
  • Residential
    • Mortgage Deals
    • First Time Buyer
    • Remortgage
    • Right to Buy Mortgage
    • Bad Credit Mortgage
    • Self Employed
    • High Income Multiple
    • Help To Buy Mortgage
    • Gifted Deposit
    • Foreign Nationals
    • Debt Consolidation
    • Equity Release
    • Close
  • Buy to Let
    • Buy to Let Mortgage Deals
    • Buy to Let Tips
    • BTL 80% Loan to value
    • Buy to let Remortgage
    • Let to Buy
    • HMOs
    • Buy to Let with Bad Credit
    • Limited Company
    • Portfolios
    • Holiday Lets
    • Ex Pats
    • Rent to Family Memeber
    • DSS Tenants
    • Into Retirement
    • Foreign Nationals
    • Inherited Property
    • Close
  • Bridging Loans
    • Commercial Mortgage Tips
    • Bridging Loans Explained
    • Why use Bridging Finance
    • Bridging Finance Rates
    • Auction Finance
    • Auction Finance Rates
    • Non Standard Commercials
    • Development Finance
    • Close
  • Protection
    • Will Writing Service
    • Probate Services
    • Close
  • Testimonials
  • About Us
    • Why Niche Advice
    • Our Fees
    • Testimonials
    • Blog
    • Join our Team
    • Privacy Notice
    • Terms and Conditions
    • Close
  • Contact Us
You are here: Home / Mortgages / Mortgages with Bad Credit / Will paying off my ccj help me get a mortgage?

by Payam Azadi

Will paying off my ccj help me get a mortgage?

Are satisfied ccjs ignored when applying for a mortgage?

Payam AzadiFirstly I must start by stating clearly I’m not a debt advisor and this article on clearing ccjs is written in the context of obtaining a mortgage or secured loan.

The other thing to bear in mind is I will be generalising in my analysis of satisfying ccjs to get a mortgage. Every individual case should be discussed in full with a professional Mortgage Broker such as Niche Advice.

From a Mortgage Lender risk perspective a satisfied CCJ (county court judgement) or ccjs shows you in a better light than an unsatisfied one. If the CCJ is large and fairly recent the chances are you will need a specialist Mortgage Lender and the satisfying the ccj ahead of applying to them may not affect the chances of being accepted in the slightest.

However, sometimes you need to think longer term. What do I mean? Well specialist mortgage lenders are often a stop gap until your credit is repaired and your mortgage options become more mainstream again. And, in this context building societies in particular will probably has expected you to have satisfied the ccjs within a reasonable time of their occurrence.

For example, one building society with constantly competitive rates will consider any number and size of satisfied CCJs that were registered 4 years ago (subject to credit score and full underwriting).

They will not however entertain any ccjs that are unsatisfied. So by keeping your ccjs outstanding you could be excluding a whole raft of mortgage rates so its always best to speak to an Independent Mortgage broker like Niche Advice who have access to the whole of the market and can review the different lending criteria specifically around your own individual circumstances.

For Mortgage information on getting a Mortgage with a CCJ please click here.

Niche Advice can arrange mortgages and secured loans for applicants with satisfied or unsatisfied ccjs. To find out more complete the Contact form on this website or call T: 020 7993 2044.

Payam Azadi

Author: Payam Azadi

Payam Azadi is a partner at Niche Advice who are whole of the market Independent Mortgage Brokers. His role is very much focused on Property financing both on residential and commercial lines. To get in contact with him please click here.

Twitter Facebook Linkedin

Filed Under: Mortgages with Bad Credit

Proud to be sponsors

Mortgage broker awards

Contact Us

Our Fees

Why Niche Advice

Mortgage Deals

Tools / Calculators

Latest News / Blog

Payam Azadi

UK Mortgage for Asylum Seekers on a Refugee Visa

Asylum seekers on a refugee visa Mortgage options from the Experts This article is aimed at mortgages for Asylum seekers on a Refugees Visa who are … [Read More...]

Payam Azadi

Mortgage for Foreign Students on a Tier 4 Visa

Mortgage options for Students on a Tier 4 Visa in the UK This article is aimed at foreign students on a Tier 4 Visa who are in the UK who are … [Read More...]

Payam Azadi

Declined Buy to let mortgage due to background property portfolio stress test

The background property portfolio stress test is stopping borrowing more There could be a variety of reasons why you've been turned down for a … [Read More...]

AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

Niche Advice Limited is a Credit Broker and does not lend money directly to clients. Niche Advice Limited is authorised and regulated by the Financial Conduct Authority. FCA Number: 750263.

Commercial Buy-to-Let and commercial mortgages are not regulated by the Financial Conduct Authority.

Our Fees

Click here for our fees structure. A full detailed fee plan will accompany all our quotes.

Niche Advice Limited has a commercial arrangement under an affiliate programme with Check My File and is remunerated for referrals.

Terms and Conditions

If you wish to register a complaint, please write to us on the details below or call us on: 020 7993 2044.

Correspondence Address: Niche, Unit F6, The Addington Business Centre, Vulcan Way, New Addington, Surrey CR0 9UG.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234567.

Site Terms and Conditions
Customer Privacy Notice

niche youtube

CONTACT NICHE ADVICE
Tel: 020 7993 2044

Registered Office: Niche, Unit F3, The Addington Business Centre, Vulcan Way, New Addington, Surrey CR0 9UG. Registered in England & Wales. Company registration number: 06599033.

Members of The Financial Intermediary & Broker Association - Number SBS36389

logo

© 2022 · Niche Advice Limited · Site Designed by Niche Advice Design Team

Manage Cookie Consent
To provide the best experiences, we use technologies like cookies to store and/or access device information. Consenting to these technologies will allow us to process data such as browsing behaviour or unique IDs on this site. Not consenting or withdrawing consent, may adversely affect certain features and functions.
Functional Always active
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
Preferences
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
Statistics
The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.
Manage options Manage services Manage vendors Read more about these purposes
View preferences
{title} {title} {title}