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CCJ is now Satisfied. Can I get a mortgage?
chauhja
Posts: 11 Forumite
I have had a CCJ, which has all now been paid off and been removed from my credit file. I waited 6 years for this to be removed! Can I apply for a mortgage from a high street bank now?
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Comments
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Yes you can.Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0
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Anyone can apply, as long as your overall situation is sound and your score high enough.
Good luck.0 -
What is a high enough score?0
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What is a high enough score? I am a first time buyer... will that effect me in any way?0
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Ignore the score stuff, speak to a whole of market mortgage advisor (and get a copy of your credit report too).Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0
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What is a whole market mortgage advisor? Sorry for sounding thick this is the first time ive ever done this.0
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Your credit score will be determined by a lender. Forget those muppet versions Equifax hand out as lenders use thier own system.
No one can predict whether you'll get a mortgage. Some lenders such as Abbey are very much druiven by computer credit scoring whereas others can take a more 'Human'common sense appraoch.0
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