CCJ and mortgage

Iwisachief · 16 July 2019 at 5:17PM

Hi there. I am applying for a mortgage for a house £360K, my deposit £180K. I have discovered a CCJ from 2 years ago I was completely unaware about. Should this have any effect on my application? Second, is there any way to either appeal or apply to have it removed?

[Deleted User] · 16 July 2019 at 5:31PM

Yes of course it will affect your application.

What was the CCJ for?

RelievedSheff · 18 July 2019 at 2:06PM

It will affect your application but it won't make it impossible.

We have recently got a mortgage with Kensington with 1 satisfied CCJ and 1 unsatisfied CCJ.

MEM62 · 18 July 2019 at 2:13PM

Iwisachief wrote: »

Hi there. I am applying for a mortgage for a house £360K, my deposit £180K. I have discovered a CCJ from 2 years ago I was completely unaware about. Should this have any effect on my application?

Of course - particularly if it is not satisfied.

Second, is there any way to either appeal or apply to have it removed?

How do we know? You have given us absolutely no details surrounding the circumstances of the CCJ.

.......................................

muhandis · 18 July 2019 at 2:57PM

I would recommend posting this in the Mortgages and Endowments thread where the resident brokers might be able to give a more informed opinion about your chances. No doubt they will need some more details.

Iwisachief wrote: »

Hi there. I am applying for a mortgage for a house £360K, my deposit £180K. I have discovered a CCJ from 2 years ago I was completely unaware about. Should this have any effect on my application? Second, is there any way to either appeal or apply to have it removed?

CCJ and mortgage

Comments

Categories

Get our FREE Weekly email full of deals & guides - and it’s spam-free