We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Remortgage and Credit Checks

2»

Comments

  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    edited 28 July 2010 at 10:44AM
    Was the CCJ for £479?

    When was it first registered?
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • louisaj28
    louisaj28 Posts: 154 Forumite
    yes - £479, it's not as though we are talking mega bucks here

    think it was 2006
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    You might just sneak in some lenders who have a criteria of £500 for a CCJ/default.

    You need to find one that will be happy with affordability according to THEIR calculations.

    You will need to find a lender happy with the timescales of the CCJ.

    You will definitely have options, but I would suggest going via a broker to make sure you do not apply to the wrong lenders and harm your application further.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • louisaj28
    louisaj28 Posts: 154 Forumite
    Ok, thanks for all your help and reassurance that not all is lost
  • louisaj28
    louisaj28 Posts: 154 Forumite
    Hi all

    I took the advice given and went through a broker - I now have an offer from Natwest and remortgage is proceeding.

    Also, as a bonus, Nationwide refunded my £99 product fee even though they said this was non-refundable if declined.

    Thanks for the helpful advice everyone
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.2K Banking & Borrowing
  • 254.3K Reduce Debt & Boost Income
  • 455.3K Spending & Discounts
  • 247.2K Work, Benefits & Business
  • 603.8K Mortgages, Homes & Bills
  • 178.4K Life & Family
  • 261.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture