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A County Court Judgment, or CCJ, is a legal decision made against an individual who has failed to repay a debt.
It is recorded on your credit file and can make it more difficult to borrow money, including securing a mortgage.
Many lenders consider a CCJ a sign of financial difficulty, which can limit mortgage options.
However, specialist lenders may still consider your application.
As a mortgage broker in Middlesbrough, we work with lenders who assess applicants on a case-by-case basis. Our mortgage advisors in Middlesbrough can help you find lenders willing to consider your circumstances.
Yes, but lenders will look at several factors, including when the CCJ was issued, whether it has been paid, and how much was owed.
Some mortgage providers may require a larger deposit or offer higher interest rates to offset the risk.
Getting mortgage advice in Middlesbrough can be beneficial, as an expert can identify lenders who are more likely to accept applicants with CCJs.
Your mortgage options will depend on the size of your CCJ, whether it has been settled, and your overall financial profile.
Some lenders offer mortgages specifically for applicants with adverse credit, while others have stricter policies.
A mortgage advisor in Middlesbrough can assess your financial situation and help you find a lender that is more likely to approve your application.
Yes, securing a Mortgage With CCJ in Middlesbrough is possible, but it depends on your financial position.
Lenders will look at the size of your CCJ, how old it is, and whether it has been paid off.
Some mortgage providers are stricter than others, while specialist lenders are more flexible.
If your CCJ is recent, you may need a larger deposit or be subject to higher interest rates.
A CCJ remains on your credit file for six years from the date it was issued, even if you have paid it off.
If you settle the debt within 30 days of the judgment, you can apply to have it removed.
Even after six years, some lenders may still ask about past CCJs when considering an application for a Mortgage With CCJ in Middlesbrough.
Most lenders will require a larger deposit if you have a CCJ.
While standard mortgage products may require a 5 or 10 percent deposit, those with a CCJ may need to provide at least 15 percent.
The size of the deposit required will depend on how recent your CCJ is and your overall credit profile.
Yes, paying off a CCJ can improve your mortgage prospects.
Lenders prefer settled CCJs over unpaid ones, as they demonstrate financial responsibility.
While a CCJ will still appear on your credit file for six years, settling it shows lenders that you have taken steps to resolve your financial difficulties.
Having multiple CCJs can make securing a mortgage more difficult, but it is still possible.
Some lenders impose strict limits on the number and size of CCJs they will accept, while others assess applications based on the full financial picture.
The more time that has passed since the CCJs were issued, the better your chances of approval.
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I would highly recommend this company. They’ve been a massive help. With the mortgage process talking through step-by-step and Couldn’t thank Malcolm, and Amy from the team Enough with the service that they provided is five star in my rating
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I’ve got to say I’m over the moon after contacting Middlesboroughmoneyman, they assigned me my own mortgage Advisor called Nathan and him and Laura from his team walked me through every step of the way. Here i am 39 years old and 40 in a couple...
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Kayleigh, Malcolm and the team made the whole process a very pleasant experience. I would highly recommend them to anyone looking for a mortgage broker who provided a great service with reassurance and advice along the way.
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The first step is to speak with one of our mortgage advisors in Middlesbrough, who will review your financial circumstances and discuss your mortgage options.
We will assess your CCJ history and explore the lenders most likely to approve your application.
As a mortgage broker in Middlesbrough, we compare different lenders to identify those who are more likely to accept your application.
Each lender has their own CCJ criteria, and we focus on those most suited to your financial profile.
We help you gather all the necessary documents, such as proof of income, credit reports, and bank statements, to ensure your application is as strong as possible.
Having a complete and well-prepared application increases your chances of approval.
Once your mortgage has been approved, we will guide you through to completion, handling the final details to ensure a smooth and stress-free process.
We keep you informed at every stage, making sure you fully understand the next steps.
As a mortgage broker in Middlesbrough, we have extensive experience in securing mortgages for those with CCJs.
Some lenders automatically reject applicants with CCJs, but we work with lenders who take a more flexible approach, improving your chances of success.
Our mortgage advisors in Middlesbrough take the time to understand your situation and match you with lenders suited to your needs.
Whether your CCJ is recent or several years old, we can guide you through the best options available.
We work with high street banks and specialist mortgage providers, increasing your chances of finding a suitable lender.
Some lenders only work with brokers, so using our services gives you access to exclusive mortgage deals.
We handle the entire process, from finding the right lender to preparing your application.
Submitting incorrect or incomplete paperwork can lead to delays or rejection.
We ensure your application is properly structured, reducing the risk of unnecessary setbacks.
When reviewing applications for a Mortgage With CCJ in Middlesbrough, lenders will consider the age, size, and settlement status of the CCJ.
The older and smaller the CCJ, the better your chances of approval. Some lenders automatically decline applications with recent CCJs, while others will assess the situation more flexibly.
Although a CCJ impacts your credit file, lenders will also look at your overall credit score and financial behaviour since the judgment was issued.
Regularly paying bills, keeping debt levels low, and avoiding multiple credit applications can help improve your chances of securing a mortgage.
Lenders often require a higher deposit for applicants with CCJs, usually around 15% or more. Interest rates may also be higher, as lenders perceive CCJ applicants as a greater risk.
However, some specialist lenders offer more competitive deals, particularly if the CCJ is older or settled.
Finding the right lender can be difficult, as many do not openly advertise their criteria for CCJ applicants.
As a mortgage broker in Middlesbrough, we can identify lenders who are willing to consider your circumstances.
Our mortgage advisor in Middlesbrough can guide you through the application process, increasing your chances of approval.
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Middlesbroughmoneyman.com & Middlesbroughmoneyman 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.
© Middlesbroughmoneyman 2025.
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Middlesbroughmoneyman.com & Middlesbroughmoneyman 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.
© Middlesbroughmoneyman 2025.
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