Telecoms CCJ - adverse credit

Walesgirl

Hi,
Can you recommend any mortgage companies that ignore telecoms CCJ?  I found Bluestone but are there any others?
Thanks 

ACG

They are the only ones I am aware of, but some will ignore any defaults over 12 months old or under a certain amount. 

Try a broker, there are a number of ways to get past something. A broker will look at the options. 

gashead1989

I have a CCJ from a payday loan and got a mortgage offer with precise. 

MWT

Just to echo the above, don't just hunt around on your own, you may find someone who will give you a mortgage, but you will probably not find the best interest rate without help from a broker who specialises in adverse lending...

Thrugelmir

CCJ is a CCJ whoever it is issued on behalf of. 

Walesgirl

Thanks everyone.

We will be using a broker- just waiting until end of March to make sure Christmas spends/ Boxing Day betting is off our bank statements.  I’m just curious as desperate to buy. My credit is excellent however my husband’s isn’t
I thought I’d ask rather than pestering our mortgage broker all the time 

Thanks again  

ACG

Ive just had a meeting with another lender (kensington) they also ignore telecoms, they also dont (as standard) ask for bank statements. 

Aylen

ACG said:

Ive just had a meeting with another lender (kensington) they also ignore telecoms, they also dont (as standard) ask for bank statements. 

Hi ACG,

I have 4 late payments from last, I cannot get on with any high st lenders..the latest is 6 months old now with the accounts in question settled (very & klarna buy now pay later) what are the chances of getting a mortgage? 

Thank you

Walesgirl

ACG said:

Ive just had a meeting with another lender (kensington) they also ignore telecoms, they also dont (as standard) ask for bank statements. 

Thanks, I will take a look  

RelievedSheff

Walesgirl said:

ACG said:

Ive just had a meeting with another lender (kensington) they also ignore telecoms, they also dont (as standard) ask for bank statements. 

Thanks, I will take a look  

You need to go through a broker with Kensington. 

We are currently with them and are just coming up to the end of our fixed rate. They have been a great stepping stone for us to secure our dream house with adverse history. 

We have just been accepted for a remortgage onto high Street rates (still with one satisfied CCJ) after two years with Kensington. 

Walesgirl

RelievedSheff said:

You need to go through a broker with Kensington. 

We are currently with them and are just coming up to the end of our fixed rate. They have been a great stepping stone for us to secure our dream house with adverse history. 

We have just been accepted for a remortgage onto high Street rates (still with one satisfied CCJ) after two years with Kensington. 

Thanks, I've been looking at them. Currently they only have 80% LTV (not sure if they offer higher LTV pre covid?) We are looking at 15% deposit but could stretch to 20% if we waited a few months longer. 

The CCJ is only just 2 years old. I'm hoping we can do a 2 years fix, once it is 4 years we could be accepted by a high street lender