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!
small mortgage wanted but is it possible with a CCJ?
tracymcashmore
Posts: 5 Forumite
Hello
thank you for taking the time to read my post.
we currently live in my husbands grandmothers house. she died this year and left 90% of her house to her daughter and 10% to her son.
my mother in law is basically giving us the house but we need to pay off her brother 10% of what the house is worth.
i have looked into getting a mortgage and we have to have 25 thousand minimum, which is more than needs paying out but we were willing to take on that amount as the house needs some serious work doing to it.
anyway my husband has a CCJ , i was told yesterday that we wouldn't get accepted because he has 1. i cant apply on my own as i don't work.
we have had credit before and paid without missing payments.
he has no debt i have my credit card of £1000.
is it possible to get a small mortgage at all?
thank you for an advice or information yo may have xx
thank you for taking the time to read my post.
we currently live in my husbands grandmothers house. she died this year and left 90% of her house to her daughter and 10% to her son.
my mother in law is basically giving us the house but we need to pay off her brother 10% of what the house is worth.
i have looked into getting a mortgage and we have to have 25 thousand minimum, which is more than needs paying out but we were willing to take on that amount as the house needs some serious work doing to it.
anyway my husband has a CCJ , i was told yesterday that we wouldn't get accepted because he has 1. i cant apply on my own as i don't work.
we have had credit before and paid without missing payments.
he has no debt i have my credit card of £1000.
is it possible to get a small mortgage at all?
thank you for an advice or information yo may have xx
:eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek:
0
Comments
-
How much was the ccj for, when was it registered, and what was it for (i.e. credit card, loan?)?0
-
The answer is yes.
What kind of rate available will depend on the property value, along with any other commitments you may have (along with info asked for above)I am a Mortgage AdviserYou 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.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards