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Becoming a mortgage advisor
raks187
Posts: 10 Forumite
What credit checks are done? If I had a ccj which was over 6 years old will this matter? Many thanks for you help
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Also at what point would the credit check happen? When I look on Experian my score is 9870
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It all depends on to whom you are applying.I am a mortgage broker. 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.0
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Within an estate agency?0
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I think we are asked about the last 10 years. A credit check will only show the last 6 years, so your CCJ may not get picked up on the credit check, but if they ask about a longer period you would be expected to disclose it, part of being classed as fit and proper is being honest.
Its not necessarily an issue having a CCJ even if it were registered last month. But it could be. However you just need to be honest about it as to try and conceal it (where you would be expected to disclose it) then raises questions of whether you are fit and proper.
Basically - you need to disclose it where asked. That will differ from company to company.I am a Mortgage AdviserYou 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.1 -
So even though I have had a ccj in the past I can still take the cemap exams?0
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Anyone can do the exams, people in prison, people with bad credit.
You are unlikely to get a job if you have 10 defaults registered last month, but a one off CCJ 6 years ago should not be a deal breaker.I am a Mortgage AdviserYou 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.1 -
It depends on the firm in question - whether it's directly authorised, a member of a network etc.raks187 said:Within an estate agency?I am a mortgage broker. 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.0 -
Like a big corporate like haart spicer or connells group?0
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Can I ask where those who are already mortgage advisors where do you work?0
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Thanks for your help guys0
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