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Halifax Mortgage With CCJ
Thefutureisbright
Posts: 109 Forumite
Hi all
Just after some advise and apologies if there is a thread somewhere similar.
What is the likelihood of being accepted for a Halifax mortgage with a CCJ?
Any help would be much appreciated as very new to this!
Just after some advise and apologies if there is a thread somewhere similar.
What is the likelihood of being accepted for a Halifax mortgage with a CCJ?
Any help would be much appreciated as very new to this!
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Comments
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I would be surprised if it declined. You should have a few high street options available to you I would have thought, potentially even better rates than halifax.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
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Thanks for the reassurance ACG :-)
Can I ask why you sound mildly confident? Is it because the CCJ is nearly over? We've sold our house and have had an offer accepted on a new property so I'm panicking that we're going to have to end up renting until the CCJ has cleared!0 -
Good income, not looking to stretch your incomes, a history of mortgage payments and CCJ that is small, a one off and quite old. The only issue is the deposit is a little light, but with everything else I think there is enough in your favour to overcome it.
About 90% of my clients are people who have adverse. You by comparison to what I see on a daily basis are pretty clean.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 -
I know its not a CCJ but my partner had a default on his file for £900 and Halifax accepted us.
They said we could borrow up to £245,000 and we borrowed £230,000.
Funnily enough his default was with Halifax!0 -
So it turns out they declined our mortgage. I'm gutted. Despite earning on average £55k p/a for the last 3 years with a clean slate for the last 5 years, it means nothing.
Would you suggest looking with a broker or should we admit defeat and lose the house we've made an offer on?
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I am rather surprised that they declined you. Did they give you or did your broker give you a reason why?:jFinally going to be a homeowner:T0
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chelseablue wrote: »I know its not a CCJ but my partner had a default on his file for £900 and Halifax accepted us.
They said we could borrow up to £245,000 and we borrowed £230,000.
Funnily enough his default was with Halifax!
How old was his default and when did he settle it?0 -
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