CCJ question

elwolfio

Hi hope someone can advise me its a bit of a long story

In essence i have poor credit (Mortgage defaults and a CCJ dating back to Nov 2020 which was satisfied in May 21)

I've just come come through a messy divorce Jul 22 Decree Absolute issued. My ex refused to pay the mortgage on the marital home despite living there hence the mortgage was in default. The house has recently been sold and mortgage has just been resolved.

No excuse as a result of a particularly torrid time i ended with a CCJ by burying my head. 

I am lucky that i am now remarried and have a decent job not far off 6 figure salary.

What i am trying to gauge is what are my options in terms of a mortgage going forward with my wife. We would both like to move and have a property to sell but can'y see how we can both apply for mortgage?

Is there any way of removing the CCJ?

Thank you

CliveOfIndia

You can't remove the CCJ (unless you paid it in full within 1 month of it being issued).  Whilst a "satisfied" CCJ is a whole lot better than an outstanding CCJ, it's obviously not ideal in terms of your credit history.

Your best bet is probably to try a mortgage broker - they will often have access to lenders who will take on customers with less-than-perfect credit histories.