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Securing a mortgage with a County Court Judgement (CCJ) on your credit record can be challenging, but it’s not out of reach.
Each lender has different criteria for applications with CCJs, and the status of the CCJ can strongly impact their decision.
When helping customers in Newcastle, we work with a range of CCJ statuses to find the best possible mortgage options, including satisfied, part-satisfied, unsatisfied, set aside due to an error, or expired CCJs.
With careful guidance, even with these various statuses, finding a suitable mortgage can be possible.
Getting a mortgage with a CCJ can feel challenging, but several mortgage options cater specifically to those with credit issues.
As a seasoned mortgage broker in Newcastle with experience in CCJ cases, we offer customised mortgage solutions for various circumstances.
Options include first-time buyer mortgages for clients with a CCJ, home mover mortgages, joint or sole name mortgage applications, remortgage deals, and capital-raising mortgages.
We also help with debt consolidation and capital-raising options, interest-only mortgages for those with bad credit, age 60+ mortgage and capital-raising choices, as well as self-employed mortgages for those with a CCJ.
While securing a mortgage with a CCJ can be tricky, it’s achievable with the right approach.
Our experienced mortgage advisors in Newcastle specialise in supporting clients with different CCJ statuses, such as satisfied, part-satisfied, unsatisfied, set aside, or expired.
As providers of trusted mortgage advice in Newcastle, we focus on simplifying the mortgage process, saving you time and potentially money, while opening doors to better financial prospects.
A County Court Judgement (CCJ) is a legal order from a court, typically issued when someone fails to repay a debt.
A CCJ can significantly impact your credit report, which may make it harder to access loans or mortgages.
Even with a CCJ on your credit record, options like a CCJ mortgage in Newcastle are available, especially when working with an experienced mortgage broker.
A CCJ will remain on your credit file for six years, though if you pay it in full within one month of the judgement, it can be removed.
Paying after the first month will mark it as ‘satisfied,’ which may improve your standing with certain lenders.
Typically, CCJs cannot be removed unless issued in error or successfully contested in court.
An unsatisfied CCJ means the debt has not yet been paid, which can make securing a mortgage more difficult, however, it’s not impossible.
Some lenders will consider applications with an unsatisfied CCJ, particularly if it is an older judgement or if the applicant’s overall financial profile is strong
A mortgage broker in Newcastle can help you find lenders who may be more open to these situations.
Having multiple CCJs can impact your chances of obtaining a mortgage, though the exact effect varies.
Generally, fewer CCJs are preferred, but there is no set limit. Lenders will also look at the amount, status, and age of each CCJ.
With the right mortgage advice in Newcastle, you can explore lenders who are willing to consider applications with multiple CCJs.
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Jill
Excellent customer service - highly recommend
7 months ago
Paul
Professional service that was friendly and problem free - could not be faulted and is highly recommended for later life financial services.
1 year ago
Sikandar
Matt has been amazing. He not only found me the cheapest mortgage but also made sure that the offer is secured quickly. He remained in close contact advising me at every step of the process. He also helped me in negotiations with the vendor’s...
1 year ago
Anonymous
Helped us to find a reasonable deal but also requested a better one when the lender reduced their rates
1 year ago
Steven
Fantastic service and had our mortgage approved within a week of our first call! Chris and Jo were a pleasure to deal with and available to chat at a moment's notice, even at weekends. The process was incredibly smooth and any recommended parties...
1 year ago
Grace
Matt gave us really good advise, which helped to give us the confidence to proceed with purchasing our first home. Once we had an offer in we were quickly shown the best mortgages to apply for, life insurance/critical illness insurance, and we were...
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Lois
Brilliant service as always. Thank you guys 🙏 🏡
2 years ago
Anonymous
Both Jason and Chole were very helpful in helping me and my partner secure a mortgage despite having trouble getting one in the past.
3 years ago
Michael
Great response and very friendly service. Very helpful.
3 years ago
Jacqueline
My experience with this company has been great and I highly recommend them. From the initial stages through to getting the offer, everyone I spoke with was informative, professional and friendly. Tom and Jonathan really helped with the initial...
3 years ago
Sunna
I have spoke to Arron today, I have received excellent customer service. He listened me carefully and answered all my questions promptly!! Good adviser.
3 years ago
Lydia
Amazing! UK moneyman were there every step of the way. Making sure I understood everything and taking the stress out of buying your first house. They were very responsive to emails, calls and gave excellent customer service. 10/10 could not fault...
3 years ago
Kevin
All staff, very efficient,communication excellent and found us a great deal on our mortgage as my credit rating wasn’t great.Thankyou very much Leo and Newcastle moneyman.
5 years ago
david
Being self employed it was hard to get a mortgage!but thanks to Newcastle money man I’ve got one !!!thanks again would definitely recommend them!👍
5 years ago
Harley
Professional service from start to finish. Very helpful with all of the questions I was throwing at them also. Would recommend 100% and we feel we for the prefect product mortgage for us. Thank you guys!
5 years ago
Darla
Great advice from start to finish. I had only dealt with a Broker via Estate Agents before so it was a little different to do everything over the phone but much better really because I was able to speak to someone late into the evening after I had...
5 years ago
Darla
we just used this mortgage brokers for a mortgage on our new house. right from the initial phone call, the service received was very swift and carried out by professional yet very caring people. they made sure that every detail was done to the...
5 years ago
Discuss the challenges you are currently faced with and what you are looking to achieve with a trusted mortgage advisor in Newcastle.
During your free mortgage appointment with a mortgage advisor in Newcastle, you will need to provide information about your income and expenses to determine your affordability.
Although certain circumstances may limit your options, we will search through 1000 deals to find the best possible solution for you.
Our next step is to obtain an agreement in principle, which can be used to support any purchase offers you make.
Once you accept a purchase offer, your mortgage advisor in Newcastle will proceed to submit your full mortgage application and relevant evidence documents.
Throughout the process, your dedicated case manager will keep you informed until you receive your mortgage offer and complete your purchase.
Our service goes beyond merely obtaining the best deal. We will also advise you on relevant insurance policies to safeguard you and your family financially.
We will contact you again when your mortgage is due for renewal to ensure that you are still on the most favorable deals.
Customers are at the heart of Newcastlemoneyman. Our goal is to support you through the process and leave you feeling happy with your mortgage deal. We strive in providing open and honest Mortgage Advice in Newcastle and provide a helping hand throughout the process.
With a vast panel of lenders available to us, we can help you as a reputable Mortgage Broker in Newcastle with many of the lenders having unique lending criteria. We could help you find a product that is suitable for your situation.
Using their expert knowledge and experience, our Mortgage Advisors in Newcastle can recommend the best mortgage product for the situation.
If you are concerned about your credit score, it’s best to look at getting an up-to-date copy of your credit report. This will be helpful when it comes to your free initial mortgage appointment because you can have a better idea of your situation and see if we can help.
Contact our team and book yourself in for your free initial mortgage appointment with a friendly mortgage advisor in Newcastle.
Rebuilding your credit score after receiving a CCJ takes time but is possible with consistent efforts.
Maintaining a record of on-time payments, keeping credit utilisation low, and avoiding new debt can all help.
Over time, these actions can improve your credit profile, which may help you qualify for a CCJ mortgage in Newcastle.
Yes, you can dispute a CCJ if you believe it was issued in error.
Situations where the debt was already paid or where you were not notified of the court proceedings may qualify.
If the court agrees, the CCJ can be set aside, which may enhance your mortgage prospects.
Seeking mortgage advice in Newcastle can help you understand your options in these situations.
A mortgage broker in Newcastle can offer tailored guidance by reviewing your credit file to identify lenders most likely to consider your application, even with a CCJ.
Brokers can also help you navigate the mortgage market and secure the best available deals for your specific situation.
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Newcastlemoneyman.com & Newcastlemoneyman 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: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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Newcastlemoneyman.com & Newcastlemoneyman 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: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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