Mortgage with CCJ and large deposit

SaraD1980

Hi everyone.

My story is my husband and I have found a new house which requires a £230k mortgage , we have £200k equity in current property so good LTV.

We both have permanent jobs with joint income of £80k per annum.

I have a satisfied CCJ registered in 2014 and settled in 2017

Husband has no adverse history .

Since 2014 my payments have been good , a couple of late payments on a mail order a couple of years ago.

I have decided to go with a broker but has anyone had success getting decent deal with similar circumstances ?

amnblog

This will go through all day long.

SaraD1980

Just very nervous so anything people can share would be much appreciated

ferry

There does seem to be great deal of advice out there and I have no doubt the excellent brokers on here will guide you.
To give you a different view we have no CCJ but I do have a couple of recent defaults. 30% LTV so also great equity. I understand that it does come down to the finer details but we have been told by both mainstream and adverse brokers we have no chance of a remortgage and to try for the best retention deal from our current lenders

Seems equity does not really count for much these days.




Just wanted to share our experience