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Mortgage with CCJ help
Comments
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Which lender declined it?
Still possibilities. What is your earned income?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 -
Sorry, did I read this correct - you want a buy to let or a consent to let?
When you say at the offer stage, mortgage offer or you have offered on the property?
Do you own another property, or is this your sole property you are trying to buy?
Sorry, just not sure what the specifics are..
A residential mortgage is hard with a recent CCJ, a buy to let mortgage will be incredibly tough.
As GMS rightly said, any answers will be in the detail on your Experian, Equifax and Call Credit reports.
Suggest you only get the £2 variety because as you have found, the scores are actually worthlessI am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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 -
Sorry dave, facts are muddled i know, here they are
We own the property with a 175k mortgage at present
We are trying to get a 215k mortgage to complete a 3 bed loft conversion and then we will move into the pub i lease to live and rent out the house, hope that makes sense??0 -
Got it - thanks..
Definitely get your reports, there are likely to be options but dependent upon the data on these reports...
All the bestI am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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 -
You can challenge a CCJ if you didn't receive the paperwork and can prove this (eg you weren't at the address at the time). The court can help you arrange a set aside application. If successful, the judgment will be removed from your credit report.
James Jones“Official Company Representative
I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen0
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