Navigating a Mortgage with a CCJ: How Mortgage321 Can Help

Jul 06, 2024

Understanding a CCJ and Its Impact on Mortgages

A County Court Judgment (CCJ) can make securing a mortgage more challenging. A CCJ is a court order issued when you fail to repay a debt. This judgment stays on your credit report for six years. Lenders see this as a risk, which can affect your ability to get a mortgage.

However, having a CCJ does not mean you cannot get a mortgage. It just means you need to find the right lender and the right advice. This is where Mortgage321 can help.

credit report

At Mortgage321, we specialise in helping people with CCJs navigate the mortgage process. Our team understands the complexities involved and can guide you through each step.

We start by assessing your situation. We look at the details of your CCJ, your current financial status, and what you can afford. This helps us find the best options for you.

financial planning

We negotiate on your behalf to find a mortgage that suits your needs. This personalised approach increases your chances of approval.

We also provide advice on improving your credit score. Simple steps like paying off outstanding debts and avoiding new credit can make a big difference.

Steps to Improve Your Chances

There are several actions you can take to improve your chances of getting a mortgage with a CCJ:

  • Pay off the CCJ if possible
  • Maintain a good payment history on other debts
  • Save for a larger deposit
  • Seek professional advice early
mortgage advice

We also offer ongoing support. Even after securing your mortgage, we are here to help with any questions or concerns you may have.

Get Started Today

If you have a CCJ and are looking to get a mortgage, contact Mortgage321 today. Our team is ready to help you find the best solution. With the right advice and support, you can achieve your home ownership goals.