Very old CCJ, very new mortgage

rskegg

Hi everyone, I'm looking for some informal advise before I start applying for a mortgage and hoped someone would be able to assist?

About 10 years ago (late 2006) a letter caught up to me from Northampton County Court informing me I had a shiny new CCJ. Long story short, I had acquired this due to an admin mishap at the inland revenue over my class 2 NI contributions from when I was self employed but as I had moved a few times and not directly informed the Inland Revenue, their requests were landing on doormats around the land unbeknown to myself. Bottom line, I owed the money, called up and paid it but they told me that as I had not informed them of the change of address, the CCJ was still going to show.

This actually was not an issue, I had a mortgage already (6 months old at the time) and I simply got on with it. At the end of my various fixed deals, I just swapped deals with my existing lender and all was well.

It's now 10 years later and I want to buy a new, bigger house. I'm going to need a bigger mortgage as a result (mine is actually very small as I've overpaid it for many years). Before I stroll into a mortgage broker, I want to know if this CCJ will have any impact on my application and, if I'm asked about CCJs, do I need to admit to it if it's over 6 years old? Can anyone help, I'd like my ducks in a row before I start the process!

Candyapple

CCJs only stay on the report for 6 years so it would have come off 5 years ago.

If in doubt, check your files for free:

https://www.noddle.co.uk (Call Credit)
https://www.clearscore.com (Equifax)
http://www.moneysavingexpert.com/creditclub (Experian)