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3 Year old CCJ & mortgage

Teddy1012
Teddy1012 Posts: 2 Newbie
in House buying, renting & selling
Hi,

I am new to this forum so please bare with me, but I am in need of desperate advice please!

I have a 3 year old CCJ (taken out Jan 2016 - settled in August 2016) for £659 for a phone contract. (Stupidly, didn’t pay a bill when I was 21 and inevitably it caught up with me!)

My partner and I are now wanted to buy a house together, he is already the homeowner of where we live now.

I am interested in the following:
1) what are the chances that I would be approved for a mortgage?
2) if so, would this more than likely be a subprime lender?
3) what is the likely interest rate?

Many thanks

Comments

  • kingstreet
    kingstreet Posts: 39,448 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    These questions are unanswerable with the information given.

    You might get accepted on the high street. You may not pay a higher rate.

    You should obtain copies of your credit files and contact an independent broker who will gather the required information and provide the answers you want.
    I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.
  • martindow
    martindow Posts: 10,712 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 8 March 2019 at 4:53PM
    Have you now paid off the debt? The CCJ will still be showing but an unpaid debt will add to your difficulties.


    Edit: Sorry, answered in the OP. Thanks for pointing this out kingstreet.
  • kingstreet
    kingstreet Posts: 39,448 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    martindow wrote: »
    Have you now paid off the debt? The CCJ will still be showing but an unpaid debt will add to your difficulties.
    "I have a 3 year old CCJ (taken out Jan 2016 - settled in August 2016) for £659"
    I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.
  • Cakeguts
    Cakeguts Posts: 7,627 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Do you have any other debt or cars bought on finance?
  • martindow
    martindow Posts: 10,712 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    kingstreet wrote: »
    "I have a 3 year old CCJ (taken out Jan 2016 - settled in August 2016) for £659"
    Apologies - commenting while short of time was not a good idea.
This discussion has been closed.
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