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Having a County Court Judgment (CCJ) on your credit record can make securing a mortgage more challenging, but it’s still possible with the right approach.
Lenders assess CCJs based on factors such as when they were registered, whether they have been settled, and the amount owed. As a mortgage broker in Scunthorpe, we work with lenders who consider different CCJ circumstances, including:
The type of mortgage you can secure depends on the severity and age of your CCJ, as well as your overall financial profile.
Some high-street lenders may be cautious, but specialist lenders offer options for those with CCJs.
You may be required to provide a larger deposit or accept slightly higher interest rates, depending on your credit history.
Speaking with a mortgage advisor in Scunthorpe can help you find the most suitable lenders for your situation.
As a mortgage broker in Scunthorpe, we specialise in helping applicants with CCJs find the right lender for their needs.
We have access to specialist mortgage providers who understand that financial difficulties can happen and are willing to consider applicants with past credit issues.
By reviewing your circumstances and exploring all available options, we’ll help you secure the best possible mortgage deal, making the process as smooth as possible.
Yes, some lenders will consider an application even if your CCJ is still outstanding.
The amount owed, when the CCJ was registered, and your overall financial situation will all play a role in their decision.
While high-street lenders may be stricter, specialist lenders offer more flexibility when applying for a mortgage with a CCJ in Scunthorpe.
A CCJ stays on your credit report for six years from the date it was issued, which can make securing a mortgage more difficult.
However, as time passes, its impact may lessen, especially if it has been satisfied.
Lenders will also look at your current financial stability, so even if you have a CCJ mortgage in Scunthorpe, improving your credit habits can strengthen your application.
In many cases, lenders may ask for a higher deposit if you have a CCJ, typically around 15-30% of the property’s value.
However, this depends on factors such as the CCJ’s age, the amount owed, and your current credit profile.
Some lenders may accept a smaller deposit, especially if your CCJ is older or has been satisfied.
Yes, satisfying a CCJ can improve your chances of securing a CCJ mortgage in Scunthorpe, as some lenders prefer applicants who have repaid their debts.
While a satisfied CCJ still appears on your credit file for six years, it shows lenders that you’ve taken responsibility for your financial commitments, which can work in your favour.
Yes, many specialist lenders cater to applicants with CCJs, offering mortgages tailored to those with a history of bad credit.
These lenders assess applications on a case-by-case basis, looking at factors beyond just your credit score.
A mortgage broker in Scunthorpe like us can connect you with lenders who are more likely to approve your application.
A mortgage broker in Scunthorpe has access to a wide range of lenders, including those who specialise in bad credit mortgages.
They can assess your situation, recommend the best mortgage options, and guide you through the application process.
By working with a broker, you increase your chances of finding a lender that suits your needs.
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Dinah Harros was our mortgage broker and she was extremely polite, professional and diligent. She took time to really listen and understand our financial situation and recommend the perfect mortgage product for us. Dinah was easy to contact and...
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Absolutely fantastic service from all at Scunthorpe money man. The staff are so friendly and helpful, nothing is too much trouble, any questions answered. Kept up to date all the way through, I would recommend to anyone. Many thanks for all...
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Outstanding service from start to finish with every member of the team helpful and friendly. I could rely on them for advice and updates at all stages.
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Wow..... what a fantastic team they are Matt,Mel and Wendy did a fantastic job for me been messed around by other brokers in the past but from the very first phone conversation I knew they had my best interests. Fantastic communication always kept...
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Your journey starts with a free mortgage appointment, where we’ll review your financial situation and discuss your options.
A mortgage broker in Scunthorpe will assess your CCJ history and explore lenders who may be willing to offer you a mortgage.
Using our extensive lender network, we’ll search for the most suitable CCJ mortgage in Scunthorpe based on your circumstances.
We’ll explain your options clearly, including deposit requirements and potential interest rates, so you know exactly where you stand.
Once we’ve chosen the perfect lender, we’ll handle the application process for you, ensuring all the necessary documents are in place.
Your mortgage advisor in Scunthorpe will keep you updated throughout, making the process as smooth as possible.
Even after your mortgage has been approved, we’re here to provide ongoing support for any future mortgage needs.
Whether you’re looking to remortgage or improve your credit for better deals in the future, our mortgage broker in Scunthorpe is always available to help.
We offer a free mortgage appointment to discuss your options and help you understand what’s possible with your credit history.
A mortgage advisor in Scunthorpe will assess your situation and explore lenders who consider applicants with CCJs.
This personalised approach ensures you get the right advice from the start.
As a mortgage broker in Scunthorpe, we have access to specialist lenders who cater to applicants with CCJs.
High-street banks may turn you away, but we know which lenders are more flexible.
This increases your chances of securing a CCJ mortgage in Scunthorpe with a deal that suits your circumstances.
Applying for a mortgage with a CCJ can feel overwhelming, but we handle the process for you.
From finding the right lender to submitting paperwork, we make things as simple as possible.
Your mortgage advisor in Scunthorpe will guide you every step of the way.
We know that finding a mortgage doesn’t always fit into a 9-to-5 schedule, which is why we’re available seven days a week.
Whether you need an evening or weekend appointment, our team is here to help.
A mortgage broker in Scunthorpe is always on hand to answer your questions and keep things moving.
If you are a first-time buyer with a CCJ, securing a mortgage can be more challenging, but there are lenders who may still consider your application.
Many will look at factors such as when the CCJ was registered, whether it has been satisfied, and your current financial situation.
A larger deposit and a strong credit record since the CCJ can improve your chances of approval.
Homeowners looking to remortgage with a CCJ may find that their current lender is not offering competitive rates.
Some lenders are willing to consider applications depending on how old the CCJ is and whether it has been repaid.
If the CCJ is over six years old, many lenders will ignore it, but newer CCJs may require a more specialist approach.
Being self employed in Scunthorpe can already make the mortgage process more complex, and having a CCJ can add to the challenge.
Lenders will typically want to see at least one to two years of stable income, alongside evidence that the CCJ does not reflect ongoing financial difficulties.
Some specialist lenders are more flexible and may consider applications based on overall affordability rather than just credit history.
Having more than one CCJ on your credit file can reduce the number of lenders willing to consider a mortgage application.
Lenders will assess factors such as how many CCJs you have, their total value, and whether they have been satisfied.
A higher deposit and a good track record of managing finances since the CCJs were registered can help improve the chances of securing a mortgage.
If a CCJ has been registered within the last 12 months, most high-street lenders are unlikely to approve a mortgage.
Some specialist lenders will still consider applications but may require a larger deposit or apply higher interest rates.
Building a strong financial profile following the CCJ and reducing other debts can help improve mortgage options over time.
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Scunthorpemoneyman.com & Scunthorpemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Scunthorpemoneyman 2025.
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Scunthorpemoneyman.com & Scunthorpemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Scunthorpemoneyman 2025.
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