CCJ mortgage broker.

fire3

Hi all.

Trying to get a £305000 mortgage with my partner, we have a £80000 deposite avaliable and earn £52000 between us a year.

I have a ccj thanks to my ex which was only discovered once we done a credit check! This has now ben settled for just under a year.

Can anyone recomend a ccj mortgage broker?

Many thanks

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mortgagetakingages

When did you get the ccj and how much for?

MovingForwards

I've personally used @ACG due to my adverse history.
Others have used @haras_n0sirrah some have used @Deleted_User 
You can approach the brokers who post on here, they cannot message you first.

Cscott139

Any experienced broker should be able to look at this for you. They will need a copy of your credit file so they can see full details of the CCJ and cross reference this against the lenders criteria as things have tightened up a bit recently. How much was the CCJ for and when was it registered?

fire3

Cscott139 said:

Any experienced broker should be able to look at this for you. They will need a copy of your credit file so they can see full details of the CCJ and cross reference this against the lenders criteria as things have tightened up a bit recently. How much was the CCJ for and when was it registered?

I think It was for £300, settled on 28/10/2019

mortgagetakingages

fire3 said:

Cscott139 said:

Any experienced broker should be able to look at this for you. They will need a copy of your credit file so they can see full details of the CCJ and cross reference this against the lenders criteria as things have tightened up a bit recently. How much was the CCJ for and when was it registered?

I think It was for £300, settled on 28/10/2019

I think you will need to wait another year as 2 years minimum is the "best" i have seen lender accept.

Check with a MA but expect to wait until oct 2021

haras_n0sirrah

It will depend on what it shows, how long ago, how much, when settled. A broker will need a copy of your credit report to determine the mortgage available and the rate. Those of us who are independent mortgage brokers who post here are not allowed to approach posters but most of us are happy to respond to pm's asking for help

haras_n0sirrah

If the CCJ is £300 you may be able to get near high street rates. A lot of lenders have a cut off where if it is below a figure then they are a lot more generous