Right to buy

St79

Hi looking for advice . I’m looking to to buy my council property on the right to buy scheme. I have bad credit from the past and a CCJ. I’m now in a good job 44k year and struggling getting a bank to give me a mortgage . When I’ve googled mortgage brokers the prices are crazy so any help in pointing me in the right direction greatly received. 

london21

Depending how recent the CCJ is.

There are free brokers but then again you might need a specialist broker.

Can check Trussle, but do your due diligence first.

K_S

St79 said:

Hi looking for advice . I’m looking to to buy my council property on the right to buy scheme. I have bad credit from the past and a CCJ. I’m now in a good job 44k year and struggling getting a bank to give me a mortgage . When I’ve googled mortgage brokers the prices are crazy so any help in pointing me in the right direction greatly received. 

@st79 If it's just one CCJ, you'd have to have an exceptionally bad set of circumstances to not have any options at all. Precisely what options may be available to you will depend on the specifics and what your credit report actually looks like.

If you don't have any brokers that you know and ideally don't want to pay a broker fee, then you can start off looking at the fee-free brokers on the MSE guide here 
https://www.moneysavingexpert.com/mortgages/best-mortgages-cashback/#step3

If they are unable to help (most of them won't deal with heavy adverse), then you may have to cast your net wider.

To minimise the risk of sunk fees, try and find a broker that only charges when you receive a mortgage offer or at completion. Good luck, I hope you can get what you need!