Can my independent mortgage broker Huddersfield still get a mortgage with CCJ even if is unsatisfied?

If you’re looking for a mortgage and you’re using an independent mortgage broker Huddersfield the answer should be yes. Having a County Court Judgment or CCJ either unsatisfied or satisfied should still allow you to obtain your mortgage finance. However, all client’s individual circumstances are different and unique. It would be prudent to discuss your CCJ with your independent mortgage broker Huddersfield when you’re looking for a mortgage with CCJ.

Declare the CCJ to your independent mortgage broker Huddersfield

If you are looking for a mortgage with CCJ then you must without doubt declare the fact of its existence to your independent mortgage broker Huddersfield. Although some clients actually are unaware of the CCJ having been registered. If this is the case the first thing you would need to do is get over the shock of the CCJ being registered on your credit report. The CCJ would generally be registered against you by the county court, in England usually Northampton County Court. The credit agencies that usually record the CCJ would be Experian, Equifax and Call Credit, there are other credit report agencies but these are probably the three biggest agencies. The CCJ would be registered under public record which means it would be in the public arena and could be searched by anyone who may want to perform a search for any outstanding debts against you. Having a CCJ registered against you can be annoying.

Using your independent mortgage broker Huddersfield could save you time, effort and in most cases money

Having a CCJ registered against you can really cause you a lot of problems when trying to apply for your new mortgage. It would in most cases be declined if you were to attempt to obtain a mortgage via the high street. Using an independent mortgage broker Huddersfield could save you the time of going from bank to bank explaining the situation to them, it will save you the stress of being declined because of the CCJ, it will help in so many ways. When you’re looking for any kind of bad credit mortgage but especially when you have an outstanding or historic CCJ it really is the better less stressful route to getting your bad credit mortgage by using an independent mortgage broker Huddersfield.

How long will the CCJ remain on my Experian or Equifax credit report

The negative affect that having the County Court Judgement or CCJ registered against you will remain on your credit report for a period of 6 years from the date the CCJ is registered. This means no matter what kind of finance you are looking for; it will undoubtedly have a detrimental effect on your ability to obtain finance now or in the future. The only time you can have the CCJ removed would be if you were to fully repay the CCJ off within 30 days of the registration, the company or person that registered the CCJ would also need to confirm to the county court that full payment had been made. If not paid off within the 30 days, the CCJ will remain on your Experian or Equifax credit report for the full 6 years. If you need any further clarification when you’re looking to apply for a bad credit mortgage especially with an outstanding CCJ, speak with your independent mortgage broker Huddersfield.

Having a CCJ or existing credit problems or historic bad credit shouldn’t prevent you looking for your bad credit mortgage

It goes without saying that if you have had past credit problems or you currently have a CCJ or default it really can make it more difficult to get a mortgage, although that doesn’t mean it will be impossible for you to buy a home or remortgage your existing home with bad credit. Some lenders but much more important to be aware of some more specialist lenders beyond the big high-street names – can accommodate borrowers who have a poor credit history.

Types of borrowers that a specialist mortgage lender may be able to assist are:

  • Foreign nationals
  • Foreign visas such as:
  • Tier 1 visa
  • Tier 2 visa
  • Spousal visa
  • Student visa
  • Section 106
  • Right to Buy
  • Ex-Pat mortgages

There are many other reasons why using a specialist mortgage lender may be the solution you may need. Speaking with your independent mortgage broker Huddersfield you can discuss your individual bad credit mortgage requirements.

Let your independent mortgage broker Huddersfield assist you in finding the best bad credit mortgage

Using your independent mortgage broker Huddersfield to assist you in finding your perfect bad credit mortgage pays dividends check out our testimonials page. We have an amazing history of supporting foreign nationals with a Tier 2 visa, spousal visa and expat mortgages deals.

Why Choose Independent mortgage brokers Huddersfield for a CCJ Mortgages?

Choose Independent mortgage brokers Huddersfield– we really are your bad credit mortgage company

Here at Independent mortgage brokers Huddersfield we have a wealth of experience in all types of mortgages as well as adverse credit mortgages. Putting all of this together it simply means that if you have a CCJ in your name, we’re the independent mortgage brokers Huddersfield you need to approach for your bad credit mortgage needs.

Having a CCJ could cause you a problem when applying for your bad credit mortgage.

We pride ourselves on our bad credit mortgage process, service, and results. A CCJ is without doubt a problem when you begin your search for your bad credit mortgage. Your options are severely limited, the chance of even obtaining the agreement from even a specialist lender can be very difficult. However, speaking with your independent mortgage broker Huddersfield and working with them. Using the help of our expert advisers, we will look to pre-underwrite your bad credit mortgage, we will also provide you with the support from your dedicated case manager. Using an independent mortgage broker Huddersfield will surely give you a better chance of securing your bad credit mortgage with a CCJ either unsatisfied or satisfied. Please discuss your requirements with your independent mortgage broker Huddersfield.

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