Can I get a mortgage with a CCJ?
Can I get a mortgage with a CCJ?
You could potentially get a mortgage with a CCJ, it does depend on the CCJ itself though as in:
- Why it occurred in the first place
- When was it registered
- What the amount is
- Is it satisfied
CCJ’s can stay on your credit file for 6 years so that is a long time to wait before you can apply for a mortgage! Luckily help is at hand as there are lenders who would consider your application if you have a CCJ on your credit file.
If you have a CCJ on your credit file a common myth is it needs to be satisfied before you can apply for a mortgage. This is not entirely accurate as some lenders may consider an unsatisfied CCJ and they will look at when it was registered.
You can have multiple CCJ’s and the same criteria applies for each one, so if you have more than one it can still be considered!
To understand your chances of getting right mortgage for you I will need to do an assessment of your credit file so get in touch to see if I can help you