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Mortgage with 4 year old ccj
Sulverfox1264
Posts: 3 Newbie
Hi,
I'm looking at getting a joint mortgage with my partner, we have a 50% deposit.
The issue is that I have a ccj from 4 years 4 months ago. Apart from that my Credit history is good and is on the up.
I've completed a mortgage in principle with Santander and Lloyds who I have accounts with and it came back that they would lend. I just don't want to apply fully then get knocked back.
I'm looking at getting a joint mortgage with my partner, we have a 50% deposit.
The issue is that I have a ccj from 4 years 4 months ago. Apart from that my Credit history is good and is on the up.
I've completed a mortgage in principle with Santander and Lloyds who I have accounts with and it came back that they would lend. I just don't want to apply fully then get knocked back.
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Comments
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Forgot to say the ccj was paid off in February 2017 and shows as satisfied. It was for £1911 in total.0
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@sulverfox1264 While a DIP is no guarantee of an offer, at 50% LTV you should have good options.
I am a Mortgage Adviser - 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.
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It is possible. We have just been accepted for a mortgage with Halifax with a 5 year old satisfied CCJ.
Until you make the application you won't know for certain whether you will get the loan or not. But with a 50% LTV you have a very good chance.0
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