Mortgage with a CCJ?

bonbon81

Hi there,

Me (aged 33) and my partner (aged 28) would like to buy a house, we have £30,000 as a deposit and would like to buy a property for £175,000-£200,000. We both work full time; I earn £40,000 a year and my boyfriend earns £17,800 a year.My partner has a clean credit record, however I have a CCJ on my Experian credit file for £680 for an old water bill (which my ex partner left me with) This was marked as satisfied just over a month after it went on my credit file and was in August 2011. In addition there are 5 defaults on my account from 2007-2008. Happy to say I'm back on track now with finances and really hope we can get on the property market.

What are our chances of getting a mortgage? And where do we need to go to apply? Has anyone ever managed to get a mortgage with a CCJ?

Grateful for any info

GMS

Case for a broker this.

How much were the defaults for, when listed and have they been satisfied?

When was the CCJ registered?

ACG

I would be pretty confident you can get a mortgage, but i think you need to speak to a broker.

Your not going to be getting market leading rates at the minute but something under 5% should be achievable all being well.

bonbon81

Thanks for your replies, where do I find a broker? sorry very new to this.

The CCJ was registered in July 2011. The defaults vary from £100 - £400.

bonbon81

and sorry the defaults aren't marked as satisfied.

Thrugelmir

Settling the defaults would be advisable.

bonbon81

I am slowly but surely doing paying the defualts off.

Dave_Ham

Echo most of the comments above, this is definitively achievable on sensible rates subject to the absolute detail.

Nothing you have shared so far would be a dealbreaker

ACG

Ash friends/family or try google maybe for a broker?

Try to avoid estate agent based brokers, the majority of complaints about brokers i see on this site tend to come from people who used the in house estate agent broker.