CCJ Remortgage advice

LTC2017

Hi,

Current Situation is me and my brother have a joint mortgage with only £30k left on it.

He wishes to move back here and buy me out giving me the funds to get my own place.

Potential issues:

He and his partner are going to do this together but she has an active CCJ, its not much only around £1.8k maybe, would it be advisable to get this paid off before starting this all off? Or is it on record regardless if active or in the past?

We are hoping he can remortgage without a deposit using the existing mortgage we have in place. If not i could maybe give him the deposit as would be around half of the money owed now, but mite make or break what i can get going forward.

I currently do not have an income and unable to work(not claiming anything as living on savings) , hoping this will not affect anything as should be able to be cash buyer if they can raise enough. 

Any advice or pointers would be great as in quite a hurry to get ourselves sorted out.

ACG

There should be options. Get your brothers and his Mrs credit reports and speak to a broker. His share of the equity would count as the deposit, so should be a good low LTV by the sounds of it which will help. 

As for whether or not to satisfy it, I cant see it making a huge difference to be honest. 

LTC2017

Thanks for the insight, just used a LTV calculator and came back at 82.5% assuming their income is ok would give us enough for what we need. 

We have started talks with our current provider as is on a really good rate and product, base rate tracker. Was hoping to carry on with this but was not sure if they try to push us to new product? If the no deposit still works with other providers and they want us to start a more current rate mortgage cant hurt to shop around. 

Is is best to get our own credit reports or let banks do it as part of application?

Thanks again.