1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years 30 years 40 years 50 years   Proceed to step 2.

Estimated property value?   Are you a first-time buyer? YesNo   Do you need to self-certify your income? YesNo   Have you: Had a CCJ or Default registered against you? Missed one or more secured loan or mortgage payments in the last 12 months? Been declared bankrupt or had an IVA? Proceed to step 3.

Estimated property value?   How much would you like to borrow?       Proceed to step 3.

First name: Last name:     Phone number: Alternate phone number:     E-mail address: Date of birth:   --12345678910111213141516171819202122232425262728293031--JanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember----1941194219431944194519461947194819491950195119521953195419551956195719581959196019611962196319641965196619671968196919701971197219731974197519761977197819791980198119821983198419851986198719881989   First line of current address: Current postcode:     Based on your requirements we have selected the FSA regulated broker Broker Name to help you with your enquiry. Please click SUBMIT to confirm that you are happy for them to contact you by telephone/e-mail.

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It is generally difficult to get standard residential mortgages for people who have CCJ's against them. Lenders are not confident in offering mortgages to people who have failed in sticking to their repayment schedule. But you can avail mortgage with CCJ's from many UK lenders with the aid of CCJ's Specialist.

Prior to getting mortgages, check if there are any county court judgements (CCJ's) in your name. If you have not cleared debts including any unpaid utility bills, CCJ's can be issued even without your knowledge. In case you have made no provision to clear it in a month, CCJ's will remain for six years in your credit report. Get a “Certificate of Satisfaction” to show that CCJ had been incorrect or debt has been settled.

People with CCJ's are normally closely monitored, based on mortgage and lender. Lenders usually scrutinise the pound amount for CCJ and/or number of registered CCJ's against them, date of registration of CCJ's and even fulfilled CCJ's. Interest rates for these mortgages are higher than that of standard mortgages. Amount of interest charged is dependent on risk involved in repayment. There are certain restrictions regarding the duration required prior to getting some refinance, make-over payments for faster loan clearance and entire loan repayment.

What Advantages Mortgage with CCJ's Offer

Mortgages with CCJ's enable people with CCJ's to improve credit rating. If you are unable to settle your entire debt, make regular payments to clear it and then your credit rating will rise. It allows you to acquire some property and thereby raise equity amount of your property

Applying for Mortgage with CCJ's

Seek the counsel of CCJ's specialist, as these products are complex and need research. They will help you to identify mortgage most suitable for specific circumstances of the person and come up with reasons to get mortgage application approved, based on different norms.