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    CCJ Mortgage Brokers

    Securing a mortgage in the UK with a County Court Judgment (CCJ) on your credit file can be challenging, but it is not impossible. Several specialist mortgage brokers and lenders cater to individuals with adverse credit histories, including those with a CCJ. Here are some key points to consider:

    Understanding CCJs and Their Impact

    A County Court Judgment (CCJ) is a court order issued in England, Wales, or Northern Ireland when an individual fails to repay a debt. A CCJ can significantly impact your credit score and make it more difficult to secure credit, including mortgages.

    Factors Affecting Mortgage Approval with a CCJ

    Several factors influence your ability to obtain a mortgage with a CCJ:

    • Age of the CCJ: The older the CCJ, the less impact it has on your mortgage application. Lenders are more likely to consider applications if the CCJ was registered more than three years ago.
    • Number of CCJs: Having multiple CCJs can further complicate the process. Most lenders prefer applicants with fewer CCJs.
    • Value of the CCJ: The lower the value of the CCJ, the better your chances. High-value CCJs are seen as higher risk.
    • Satisfaction of the CCJ: Satisfied CCJs (those that have been paid off) are viewed more favourably by lenders.
    • Deposit Size: A larger deposit can improve your chances of securing a mortgage, as it reduces the lender’s risk.

    Specialist Mortgage Brokers

    Several mortgage brokers specialise in helping individuals with a CCJ:

    Just Mortgage Brokers – 01473 356 284.

    • Offers a range of mortgage options for those with bad credit, including CCJs.
    • Provides expert advice to help navigate the complexities of securing a mortgage with adverse credit.

    CLS Money – 0330 912 7760

    • Specializes in matching clients with suitable mortgage brokers and lenders.
    • Offers guidance on improving your chances of securing a mortgage despite having a CCJ.

    CCJ Mortgage Expert – 0800 488 0004   EMAIL: help@ccjme.co.uk

    • Established in 2009, they have extensive experience in securing mortgages for individuals with CCJs.
    • Access to a wide range of lenders willing to consider applicants with unsatisfied CCJs.

    Haysto – 03330 065 363  Email: hello@haysto.com

    • Focuses on bad credit and complex mortgages, including those with CCJs.
    • Provides personalized advice and connects clients with specialist lenders.

    Simply Adverse – 01245 904261  Email: info@simplyadverse.co.uk

    • Nationwide broker specializing in adverse credit mortgages.
    • Offers a comprehensive service, including an eligibility quiz to assess your chances of securing a mortgage with a CCJ.

    Steps to Improve Your Chances of obtaining a mortgage through CCJ mortgage brokers.

    To improve your chances of securing a mortgage with a CCJ:

    1. Check Your Credit Report: Ensure all information is accurate and up-to-date.
    2. Satisfy Any Outstanding CCJs: Pay off any outstanding CCJs if possible.
    3. Save for a Larger Deposit: A higher deposit can make you a more attractive applicant.
    4. Seek Specialist Advice: Consult with a mortgage broker who specializes in adverse credit to explore your options.

    In conclusion, while obtaining a mortgage with a CCJ in the UK is challenging, it is achievable with the right approach and specialist advice. Consider consulting with one of the mentioned brokers to explore your options and improve your chances of securing a mortgage.

    CCJ Mortgage Brokers

    Speak to mortgage brokers and mortgage advisers for help and advice. By using Mortgage Brokers Network we can connect you with over 2,500 Mortgage brokers throughout the UK. Please use our ‘Get Mortgage Advice’ quote form to receive advice from a local CCJ mortgage brokers and mortgage advisors or scroll through the companies listed and contact the mortgage brokers directly.

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