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Declined for mortgage 3 years ago due to CCJ

davybro
davybro Posts: 13 Forumite
in Mortgages & endowments
Hi,

around ten years ago I got into a debt situation and one particular default led to a County Court Judgement (CCJ). It took some time but I eventually paid all debts back in full and the final payment to these was around 5 years ago.

I spoke to a mortgage advisor around 3 years ago and he tried to source a mortgagae for me but I was declined. I am currently completely debt free and have been for 5 years, with some savings in the bank.

Can anyone advise the best route for me to try to get a mortgage now? Just go through a broker again and cross my fingers or go to a particular provider who deal with people with my type of history?

Any advice greatly appreciated,

David

Comments

  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Use a broker to ascertain your options. As they'll know the lenders criteria with regards to adverse history.
  • ACG
    ACG Posts: 24,972 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Speak to a broker, if thats the only issue there will definitely be lenders for it now.
    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.
  • Angry_Bear
    Angry_Bear Posts: 2,021 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker PPI Party Pooper
    Also, check your statutory credit reports with Experian, Equifax and Callcredit. If it's more than 6 years since the CCJ was issued, it will ahve disappeared from your credit history and might not have any impact at all.
    Do you not know that a man is not dead while his name is still spoken?
    ― Sir Terry Pratchett, 1948-2015
  • davybro
    davybro Posts: 13 Forumite
    Hi All,

    Thanks for the quick replies!

    I have been registered with Experian for a few years and my score was around 900 ish. I checked with the moertgage advisor when I was declined previously and he said that even if the CCJ wasnt showing...the lenders would still be aware of it.

    Anyway, thanks again folks...now to find a trustworthy broker,

    David
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    davybro wrote: »
    I have been registered with Experian for a few years and my score was around 900 ish.

    Don't bother with the scores. Has no bearing on the outcome. What matters is how lenders view your file.
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