It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
Obtaining a mortgage with a CCJ in Essex (County Court Judgement) on your credit report can be difficult, but not impossible. Different lenders have varying criteria when considering applications with CCJs, and the status of the CCJ can influence their decision. Here’s a breakdown of the CCJ statuses we can work with when helping customers secure a mortgage:
Securing a mortgage with a CCJ (County Court Judgement) can be challenging, but there are various types of mortgages available that cater to those with this credit issue. As an experienced mortgage broker in Essex specialising in mortgages with CCJs, we offer tailored solutions for a range of circumstances:
Securing a mortgage with a CCJ in Essex can be challenging, but it’s possible with the right guidance.
Our experienced mortgage advisors in Essex specialise in helping customers with various CCJ statuses, including satisfied, part-satisfied, not satisfied, set aside, or expired.
As providers of expert mortgage advice in Essex, we focus on making the process straightforward, saving you time and money while paving the way for better financial opportunities down the line.
A CCJ (County Court Judgement) is a legal order issued by a court when someone fails to repay a debt. It can significantly impact your credit report, making it more difficult to secure loans or mortgages.
Even with a CCJ, options such as a CCJ mortgage in Essex are available, especially when working with an experienced mortgage broker in Essex.
A CCJ will remain on your credit file for six years. However, if you pay the full amount within one month of the judgment, it can be removed.
If you pay after the first month, it will be marked as ‘satisfied,’ which can help when seeking mortgage advice in Essex.
You cannot usually remove a CCJ unless it was issued in error or you successfully dispute it in court.
An unsatisfied CCJ means the debt remains unpaid, making it more challenging to secure a mortgage.
It’s not impossible. Some lenders may consider applications with an unsatisfied CCJ, particularly if it’s older or the overall financial profile is strong.
A mortgage broker in Essex can help you identify lenders who are more flexible in these situations.
The number of CCJs you have can affect your mortgage prospects. Generally, the fewer CCJs, the better, but there isn’t a strict limit.
Lenders will consider factors such as the amount, status, and age of each CCJ. With the right mortgage advice in Essex, you can find lenders willing to consider your application even with multiple CCJs.
Our Customers Love Us
5.00 Rating5-Star Reviews
Richard
Very good service and excellent communication - definitely recommended
6 months ago
Shane
I cannot praise this team enough, they have been amazing. Especially Tom who went above and beyond to sort out my really complex mortgage and get me a deal which meant I could move to my new house. I would thoroughly recommend Essexmoneyman, they...
2 years ago
Shane
I cannot praise this team enough, they have been amazing. Especially Tom who went above and beyond to sort out my really complex mortgage and get me a deal which meant I could move to my new house. I would thoroughly recommend Essexmoneyman, they...
4 years ago
Imogen
We shopped around trying to find the best deal, should have come straight to Essexmoneyman, Nathan and Laura found me a perfect mortgage. When we had picked our product, they were speedy in ensuring they processed our applications quickly and taking...
2 years ago
Imogen
We shopped around trying to find the best deal, should have come straight to Essexmoneyman, Nathan and Laura found me a perfect mortgage. When we had picked our product, they were speedy in ensuring they processed our applications quickly and taking...
4 years ago
Jim
Matt and anna made the whole process super easy during the pandemic. as first time buyers we were worried but they made sure we were able to enjoy our first home together. thank you !!
2 years ago
Jim
Matt and anna made the whole process super easy during the pandemic. as first time buyers we were worried but they made sure we were able to enjoy our first home together. thank you !!
4 years ago
During this chat, we'll discuss your circumstances and explore the options available for those with a CCJ in Essex.
Our goal is to find the right path to secure a mortgage that meets your needs.
Once we understand your situation, we'll begin searching for the most suitable mortgage products.
We work with a range of lenders, including those who specialise in mortgages for individuals with a CCJ.
After selecting the most fitting mortgage product, we'll assist you in preparing and submitting your application.
We handle all the paperwork and liaise with the lender to ensure everything goes smoothly, increasing your chances of approval even with a CCJ.
Once your application is approved and all the necessary checks are completed, we move towards the final step—completion.
The mortgage funds are released, and you'll officially become the homeowner. Our team is here to support you throughout the process, making it as straightforward as possible.
We provide a free mortgage appointment to kickstart your journey.
This is your opportunity to speak with one of our mortgage advisors in Essex, who will review your situation and guide you on the best way forward, ensuring you're on the right track from the beginning.
We have access to 1000s of mortgage products, including those tailored for individuals with unique circumstances.
Our extensive panel of lenders means we can find the most suitable deal for you, whether you have a straightforward case or one that needs a specialist lender.
Our service is designed to make the mortgage process as easy and stress-free as possible.
From the initial conversation to completing your mortgage, we take care of everything, providing support and advice every step of the way.
We tailor our approach to suit your specific needs, especially if you have a complex situation.
We're here for you 7 days a week, ensuring that help is available whenever you need it.
We understand that life doesn't always fit into a 9 to 5 schedule, so our team is on hand to work around your commitments, making the process as convenient as possible.
Rebuilding your credit score after a CCJ involves maintaining a record of on-time payments for other debts, keeping credit utilisation low, and avoiding additional debt.
Over time, these actions can gradually improve your credit profile, making it easier to secure a CCJ mortgage in Essex in the future.
Yes, you can dispute a CCJ if you believe it was issued incorrectly. This could include instances where the debt was already paid or if you were not notified of the court proceedings. If the court agrees, the CCJ may be set aside.
This can improve your mortgage prospects, so it’s worth seeking mortgage advice in Essex to understand your options.
A mortgage broker in Essex like us can provide tailored guidance, reviewing your credit report to identify lenders most likely to approve your application despite having a CCJ.
They can also help navigate the mortgage market, finding the best possible deals for your situation.
Read our 5-Star Reviews
Essexmoneyman.com & Essexmoneyman 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
Contact
Follow Us
Essexmoneyman.com & Essexmoneyman 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
Speak to an Advisor – It’s free!
7 Days a Week, 8am – 10pm
