Ccj

Adviceneed · 23 January 2019 at 9:56PM

I'm looking for some advice, me and my partner are looking to get a house this year he works full time and I'm a trainee nurse currently doing part time bank nursing which is zero hours, I work every week. We have £15,500 deposit hoping to get a new build with the help to buy, however my partner was issued a ccj 5 and half years ago it has been satisfied for nearly 5 years we've attempted to pay to get It taken off the credit file but not looking possible, does anyone know our chances of getting a mortgage? Would any lenders accept this as the Ccj was nearly 6 years ago?

[Deleted User] · 23 January 2019 at 10:02PM

After 6 years it will drop off his credit files completely.

Being as old as it is it will have less of an impact now then say 4 years ago

sourcrates · 23 January 2019 at 10:12PM

As above, in 6 months it will be gone forever.

welly_59 · 24 January 2019 at 6:59AM

As said above after 6 years it's gone anyway. What will matter more is the fact your money is coming from bank shifts. Depending on the lender they might only take half of what you earn into consideration when calculating affordability

System · 24 January 2019 at 9:04AM

Wait until it's gone (6 years) before applying for a mortgage. You would be mad to apply before then.

Adviceneed · 24 January 2019 at 4:31PM

Thank you very much

System · 24 January 2019 at 4:36PM

I'd just wait the last 6 month's now until it's gone. I'm also a bank nurse and was looking into getting a mortgage last year. I think I'm going to get a permanent job in order to get a mortgage sorted. It looks like a lot of hassle finding people willing to give a mortgage to bank workers.