Some consumers may be able to pay what they owe immediately or set up a satisfactory payment plan with the creditor. We’re here to help you find a Skipton Building Society mortgage that is suitable for your needs. You will need different advice if you live in Scotland. 22 February 2016 at 10:32AM. If you can’t repay you can ask the court to change the regular payments or suspend the order. Inflation remained at 6. size of debt can also be an issue. Nationwide Building Society reserves the right to collect from you any. Temporarily change to interest only payments. Our mortgages and second. 6K discussions 731. 2. If the CCJ was beyond six years ago, it will not appear on your credit score and may even be ignored by your lender. #ad #mortgage #createfinance Can I get a mortgage with a CCJ on my file? Will a County Court Judgement stop me getting a mortgage? In this video, Gindy and A. is an unsecured creditor (the debt is not secured against your home unlike a secured mortgage). Call 24/7. The. Solicitor information. Why choose this provider? Sixth City Group is a mortgage firm that serves clients in Cleveland. The proofs needed to help us confirm your clients' information. Hello guys, up until may this year i was in serious debt with o/s debts of £28K, but my parents kindly gave me the money to pay it back, i am paying them back every month, quite comfortably, anyway without digressing, My hubby and I would like to move, we have no o/s debts apart from the current mortgate, of which we have never missed a. LTVs. It is still possible to be approved for a mortgage, albeit with less favourable terms. Firstly, we will establish what a County Court Judgement is. October 20, 2023. However getting a mortgage with a satisfied CCJ is not impossible and there are numerous other factors which will also affect your mortgage availability. IVA and Bankruptcies that have been discharged two years or more can also be accepted. The best option would be to pay off the CCJ amount and have its status updated to satisfied in your credit report. Possibly, but unlikely, the creditor goes back to court to ask permission to enforce the debt and gives the court a good reason as to why they haven't bothered to enforce the debt in the last 6years. Arrowsmith had earlier disputed. There can only be one default payment and the amount cannot exceed £150. High Level Criteria Minimum Maximum Residential mortgage loan amount £2,000,000 Buy to Let mortgage loan amount £1,000,000 Houses in Multiple Occupation (HMO) If you had a mortgage agreed in principle but were then declined after the underwriting process, this might be because there was an issue with your credit file. If you’re searching for a mortgage and are worried about a recent CCJ or. We use information collected by Bankrate, which is owned by the same parent company as CNET, to track daily mortgage rate. However, the company can become a secured creditor, by making the appropriate court order: 1) If you are unable to come to an arrangement, the company may issue a CCJ summons. Most. For any debt-related queries you’d like to discuss with us, please don’t hesitate to get in touch. For intermediary use only. is an unsecured creditor (the debt is not secured against your home unlike a secured mortgage). 85 would be payable per month. We have taken the average house prices for each quarter since 1996 and actual mortgage lending rates for a mix of different mortgage types in the same time period. Mortgage calculators. Settle or Reach a Repayment Agreement with the Lender or through the Court. New Mortgage. As an example Nationwide are really strict - they ask "Have you ever had a CCJ against you", so even trying to get round the 6 year limitation period. Yes, Mortgage through a broker, and have the Mortgage Offer, and now redemption figure, but Solicitor requesting docs relating to theICO and Deeds. ” The number of CCJs issued to consumers jumped by five per cent to 321,044 in Q1 2019 compared. The table below shows the cheapest initial rates. The answer is yes – but it may not be as easy as it was before. How to Get a Mortgage with a CCJ (County Court Judgement)If you are trying to get a mortgage but have a CCJ (County Court Judgement), this video will explain. 95% on a mortgage of €100,000 is €603. We offer mortgages if you're a first time buyer, moving home, remortgaging and more. Mortgages & Homes. Your new mortgage refinancing rate is. The term ‘CCJ mortgage’ is typically used as an umbrella term to refer to mortgages available to those who have a CCJ registered on their credit file. How much can I borrow?We got a mortgage this time last year with a 10% deposit 1 satisfied CCJ for £250 from 2016 and one unsatisfied for £450 from 2014. Valuation criteria. It has been providing Birmingham and its surrounding areas with mortgage brokerage services that fit any homebuyer's needs. Updated on November 24, 2023. Faith Mortgage, LLC, is composed of NMLS licensed loan specialists with a combined experience of 30 years. We specialise in providing independent mortgage advice on buy to let mortgages for investors – HMO’s, Limited Companies, Ex Pats, Let to Buy. 4 years ago that I had no knowledge of. Having a CCJ on your credit file can make it harder to take out credit. Getting a mortgage with a CCJ 7 replies FooFighter99. NerdWallet UK website is a free service with no charge to the user. Support for our mortgage customers. I and my partner both have good, stable jobs with a decent income. Getting a remortgage offer from Nationwide takes 10 working days from application submission to mortgage offer. A CCJ will severely impact your credit score and credit history. 99 Trophy Club Drive, Trophy Club, TX 76262. You may get a county court judgment ( CCJ) or high court judgment if someone takes court action against you (saying you owe them money) and you do not respond. Many of you will have been denied a mortgage in the past due to bad credit. With those Nationwide deals, a £250,000 mortgage will cost you about £100 more each month if you take the two-year deal, and you will face a £999 product fee when you come to remortgage. By using our website you consent to all cookies in accordance with our. On exploration, it said that I had a CCJ of £448 from 5. Nationwide Deposit Unlock mortgage. The monthly repayment on a 20-year mortgage with Loan to Value (LTV) greater than 80% with variable borrowing rate of 3. Skip to content. Mortgage calculators. hi there first post go easy,in need of some advice, recently come out of a 2 year fixed rate mortgage, the rate was low and lender have now put us on there…CCJ - 02/10/2019 £2385 (satisfied 6 months after) Default from HSBC (failed to pay) 2018 Salary £34k before OT Partners income 33k Just got approved for £400,000 mortgage after 2. As the fastest-growing mortgage company in the country, we've built our success on transparency, education, and customer support. This means that with the right advice and preparation, a CCJ shouldn’t stop you from getting a mortgage. We offer competitive residential and buy to let products with six-month extensions on new build offers. Stop losing time on endless searches for the appropriate legal documents for your state. A charging order basically comes with a document called a “charge document”. Its team can assist clients in changing their loans to either FHA, jumbo, fixed-rate, or adjustable-rate mortgages. Atlanta, GA 30348-5178 Correspondence Address: P. Having a CCJ recorded on your credit report could affect your ability to get credit in the future, including your ability to find a mortgage. . A general guideline for determining whether you should refinance your mortgage is that you should do it only if you can lower your interest rate by at least 2%. If you’re applying for a mortgage with a CCJ registered more than years ago, the size could likely be limited to £2,500 if you’re borrowing up to 85% loan value, according to the Online Mortgage Advisor. Business, Economics, and Finance. This representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years for our members with a mortgage, savings or current account. It’s very unlikely you’ll be able to go to a high street bank and be approved for a mortgage. The bigger the deposit, the better access you’ll have to lower rates, and lower monthly payments. Please call for free on 0800 2983000 or dial 0333 003 1505 (mobile friendly. At Nationwide Mortgage, Inc. Summary of Holiday Let lending Criteria. g. 2. However, as the buy to let property market continues to develop, more and more lenders are beginning to consider approving investors with CCJs; this. Forum. Overdrafts and credit cards are the best way to evidence borrowing and repaying. Whether it’s understanding credit details, choosing between mortgage options, or getting clarity on market trends, we’ve got you covered. You try to make a payment plan with a creditor. You can click Start your quote above, call us at 1-877-669-6877 or find a local agent to get started. However, as the buy to let property market continues to develop, more and more lenders are beginning to consider approving investors with CCJs; this. No additional court charges or anything on redemption statements. Mortgages from Nationwide. You may be asked for one if: You are struggling with debt. Depending on your current deal, you can apply to switch at any time without an Early Repayment Charge and keeping the same mortgage account number. Loan details: APR: 8. A County Court judgment (CCJ) is a court order telling you to pay your debt. Remortgaging. McKinnon analyzes his clients' loan files to match them with. The minimum amount of deposit you can expect to get approved for a mortgage with a CCJ is 10% of the property’s value, but if your CCJ was registered recently or is for a high amount, 25% is more realistic. pinkslide Posts: 16 Forumite. A County Court judgement. My partner and I are looking to buy our first home and we checked our credit scores on equifax. County Court Judgements or CCJs can make getting a remortgage a little harder than usual because they appear on your credit record. CO is against house in joint names and having read the forums a bit, the wording of the CO is tha. 2. Whatever your background or circumstances, we can help. Maximum of 2 CCJ's / max total value £2000 - where latest CCJ registered > 3 years ago. Fortunately, we can help you to get hold of the remortgage deal you require. Most likely you will be looking at higher interest rates with a specialist lender. 1. 10%. In the future, you can apply for a new loan on another property. Refinance. 0800 029 3757 Book Online NowThe minimum amount of deposit you can expect to get approved for a mortgage with a CCJ is 10% of the property’s value, but if your CCJ was registered recently or is for a high amount, 25% is more realistic. Our standard minimum age at the start of the term is 18 years old. Maximum portfolio size of 10 mortgaged rental properties, irrespective of lender. Nationwide offers fixed rate and tracker rate mortgages to first-time buyers, home movers and homebuyers looking to remortgage. So, getting a mortgage with a CCJ is certainly possible, it just might take you a bit longer to get there. ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ Select Download Format Apply For A Mortgage With A Ccj Download Apply For A Mortgage With A Ccj PDF Download Apply For A Mortgage With A Ccj DOC ᅠ Nationwide broker who to apply for mortgage with work Relationships are more, apply for creditProperty criteria. 100 Congress Avenue, Suite 200 Austin , TX , 78701. Provides low down payment options, low closing costs, and flexible credit qualifications. We’re committed to supporting intermediaries find the best mortgage solutions for your clients. Closed Sundays and Bank Holidays. For debts which are still outstanding, the financial amount of the CCJ can also have an impact on how the application is viewed. Creditor takes money from your bank account. 9%. Packaging guides. £362. Most lenders offer different tiers of products when it comes to mortgages with CCJs. Your lender likely lists interest rates as an annual figure, so you’ll need to divide by 12, for each month of the year. Having a CCJ on your credit file can make it harder to take out credit. However, you may be able to vary the judgment later using an. Solicitor information. According to customer review site Trustpilot, NatWest scores 1. The higher the risk you pose to the lender, the higher the deposit required. It’s worth talking to specialist. Get what you need in the US Legal Forms library in PDF/DOCX format and reuse the template multiple times after downloading. So, if your. - 41% have a joint account just for bills. 86. Nationwide Mortgage Bankers, Inc. 1st Nationwide Mortgage is committed to helping you to make well informed financial decisions. The Registry Trust operate the public Register of Judgments, Orders and Fines . Acceptable income and proofs required. Can I Still Get a Mortgage If I Have a CCJ? If your CCJ appears to have been given to you falsely or you’ve paid the outstanding balance within 30 days, it might not make an appearance on your credit history. Problem being that in 2016 I was issued with a CCJ for a debt I hadn't realised was outstanding (overpaid housing benefit which we contested and thought was sorted but obviously not!) Anyway, I spent 2 years paying off the debt and the CCJ is due to be marked as 'satisfied'. To find out what mortgage you can get with a CCJ contact us today for a free initial consultation. 67%. 5%, credit score flexibility, and both fixed and adjustable rates. Discount mortgages. Had your Nationwide Mortgage Application declined? Don’t worry. Nationwide will become the latest lender to raise mortgage rates again, with increases of up to 0. This means paying your bills on time and keeping your credit utilization low. If the CCJ is within 2 years then the specialist mortgage lenders who may accept this and offer you a mortgage will expect the size of the CCJ to be around £2500 or less and the Loan to value they will likely offer will be 85% or less. Higher LTV criteria and top tips. For example, if you were earning £40,000 a year and a lender used a mortgage income multiple of 4, then they would take 4 x. Guarantor mortgages. Finding a buy to let mortgage can be difficult at the best of times, and the process is made no easier if you have adverse credit or a CCJ registered against you. Students. That’s more cases, and potentially more business. The CCJ will appear on your credit report - this is the information that a credit reference agency provides to the company you want to borrow money from. Lenders want to understand if this is a one-off – perhaps you changed address and didn’t get the parking notices. For our Track Record mortgage the minimum age is 21 at the time of application. 74. 8. Acceptable deposit (sources) Acceptable Equity Share loan holders. The Team; Areas We Serve;Mortgage Best Buys. It specializes in offering home purchase loans, private portfolio loans, bank statement loans, and mortgage refinancing for homeowners and homebuyers. 30am to 4pm. Although getting a mortgage with a CCJ isn't straightforward, it certainly isn't impossible. There are several other factors to consider when deciding if refinancing your home. A default ( especially a mortgage default) A bankruptcy. CCJs are also known as County Court Summons. We make getting a homeowners insurance quote easy. Plus, the more time that has passed since you received your CCJ, the better. We encourage consumers visiting this site to continue their home loan. Added Mortgage Fees - £0. uk If you have a CCJ (County Court Judgement) on your credit file, finding a mortgage that will allow you to purchase a home can feel impossible – but an independent broker can help. Best Buy to Let Mortgages. When submitting an application for lending greater than 85%. 75% LTV Buy to Let Deal - Call now to secure; Overall cost for comparison 6. A country court judgement (CCJ) is a court-issued notice that requires you to pay a debt. Finding a buy to let mortgage can be difficult at the best of times, and the process is made no easier if you have adverse credit or a CCJ registered against you. Temporarily change to interest only payments. . We use "common sense" and will help you obtain the best loan possible. Only pay the interest on your mortgage for 6 months. Hi, I just wanted to share my experience. ¶ 68. Nationwide’s gross mortgage lending falls by over third YOY to £12. £500 a month for Nationwide mortgages set up between 1 February 2001 and 28 May 2013. The Registry Trust operate the public Register of Judgments, Orders and Fines . CCJs are generally taken into account in credit scoring however background details are required. I'm very nervous as I'm trying to borrow the maximum I can afford on my salary at 4. 7. The credit card co. If the CCJ is within the last 12 months then the specialist mortgage. First time landlords criteria. The Nationwide Mortgage Licensing System (NMLS) is a centralized online database that lists properly certified mortgage loan officers and lenders. Learn all you need to know about remortgaging with a CCJ. The Judgment may include payment terms, which means the Court have ordered you to pay instalments over a period of time. Visit our Mortgage support page for more information to help you understand the new options and what additional help is available. It is still possible to be approved for a mortgage, albeit with less favourable terms. b) properties rated 92 and above - £500 cashback. You can use our calculator if you’re: a first time buyer. The most recent ccj issued was in Feb 2020 and is unsatisfied to the value of £190. Don’t. CCJs-Will accept applicants after three years. Explore our comprehensive guide on securing a mortgage with a County Court Judgement (CCJ). Nationwide lenders provide competitive home loan products with second mortgages, refinance, debt consolidation, new home financing, FHA refinancing, hard money, jumbo and equity loans for homeowners with a complete range of credit types. A settled CCJ disappears from your credit file after six years, and there are plenty of lenders willing to take you on if this is the case. Finding a buy to let mortgage can be difficult at the best of times, and the process is made no easier if you have adverse credit or a CCJ registered against you. They must have. If you have a CCJ (County Court Judgement) on your credit file, finding a mortgage that will allow you to purchase a home can feel impossible – but an independent broker can help. But it was a struggle to get a mortgage at that time with these CCJ's and a 10% deposit. If the CCJ was registered within the last twelve months, then it should be a maximum of £1,000 for you to be considered for an 85% LTV mortgage. For interest only, the minimum income criteria is £75,000 for sole applicants or £. 10%. Mortgage approval with a CCJ is possible with the right lender. Property criteria. Find out how The Money Hub can help you today. We handle nationwide collections, legal services and enforcement. As you’re a first-time buyer, mortgage defaults won’t be an issue. This will help to improve your credit score. We specialise in CCJ mortgages for clients who are struggling to attain mortgages from high street lenders. When a CCJ is tied to your credit file, mortgage lenders will want to know more about it and why you have it. , we treat each customer as an individual, not a number. P = the principal amount. Brean Horne. Accountant's Certificate. My partner has a spotless credit history with no adverse credit, but I have a default and CCJ from that company. CCJs (County Court Judgement) DMPs (Debt management plans) IVA (Individual Voluntary Agreement). ©. If they do not comply and I am stuck with a CCJ, what are my chances of securing a high street bank mortgage? Our budget is £350,000 and we currently have a. A court order means you have to pay the money back, either in instalments or in full by a certain date. If you’re considering remortgaging your home but need help finding the right option for you, contact John Charcol. He is the branch manager at the Republic State Mortage and has been in the industry for more than 24 years. The more historical the judgement is (i. Robb McKinnon. . Visit SwitchRates, a trusted mortgage switch and transfer comparison service 08007569675 The CCJ is an order from the court instructing you to repay the debt or a smaller agreed amount. Wellness plans not available in all states. I have a CCJ for £297 registered three years ago which I satisfied 2 years ago. on a fixed rate mortgage deal with less than 6 months left. Overview. Be prepared to explain the CCJ to the lender. Call 24/7. You can increase the length of your mortgage so you pay less each month. A rough idea of the property value. Id. Sub-categories: Water bills LPG, heating oil, solid & other fuels. CCJs lower your credit rating and harm your ability to be approved for loans and mortgages. 1A Regulated mortgage contracts: guidance on the meaning of“payment shortfall” 2. The CCJ is removed from the public register and your. switching your existing deal. If you don't want to change the mortgage, seek a better Nationwide mortgage offer. We got a £90k mortgage with a CCJ. 3. Simply put, a legal charge on property is a document that converts your unsecured loan into a secured one. Call 1-877-669-6877 for insurance help. 1A Regulated mortgage contracts: guidance on the meaning of“payment shortfall” 2. Failing that, you can still apply for a mortgage with a CCJ appearing in your credit history. 20 years. You'll pay more in interest overall, but this could give you some breathing space. When submitting an application for lending greater than 85%. 5 Reliance on othersSee how your total borrowings on mortgages, personal loans, credit cards and other accounts have changed over the last 6 years, and keep a track of the overall position currently being reported by organisations on your Credit Report. You'll pay more in interest overall, but this could give you some breathing space. Simply call us on 0121 4000 052 to discuss your circumstances and how we can help. In the past, people with poor credit and CCJs could secure bad credit mortgage or remortgage. . To be eligible for the cashback; 1) the property must have a Standard Assessment Procedure (SAP) rating as follows: a) properties rated 86 to 91 - £250 cashback. Id. Courts also send details of new CCJs to the Registry Trust. 00 Payable upfront. Call 1-877-669-6877 for insurance help. For many though, with loans or credit cards, missing any payments will often result in the lender serving a notice on your credit file. Discuss your utility providers, bills, usage and energy-saving tips. For any debt-related queries you’d like to discuss with us, please don’t hesitate to get in touch. Went with a broker and had no issues whatsoever. Call 1-800-848-6331 for investment/ financial help. Over the phone. Case in point, borrowers with a debt management plan are usually rejected outright after the underwriters’ hard credit check. Updated on November 24, 2023. News About the site MSE's Editorial Code How we're financed Martin's blog MSE Forum. . Nationwide offers loans on homes bought through the Deposit Unlock scheme up to £750,000, available through mortgage brokers. The rules can be used for some secured loans that were taken out before 21 March 2016 , contact us for advice. For most first time buyer mortgages, you need a deposit of 5% of the price of the property you want to buy. How a creditor gets a charging order. 3 Inducements: regulated mortgage contracts, home reversion plans and regulated sale and rent back agreements 2. It’ll be more difficult as you’ll have fewer options available to you, but it’s not impossible. Therefore, if the CCJ only recently appeared on your credit report, it could be a good idea to wait a year or so before applying for a mortgage. Mortgage refinancing rates When refinancing your mortgage, you’re replacing your existing mortgage with a new mortgage. Symbol; M: the total monthly mortgage payment: P: the principal loan amount: r: your monthly interest rate Lenders provide you an annual rate so you’ll need to divide that figure by 12 (the. Use the main board for electricity and gas, or explore the sub-boards for water and other fuels. A rough idea of the property value. Capital raising to buy out co-owners share or partially repay equity loan. Nationwide Mutual Insurance Company. moving home. Up to 70%. Federal Housing & Administration. Nationwide Deposit Unlock mortgage. Only pay the interest on your mortgage for 6 months. And there could be further action taken to collect the debt. Illustration Type = ESIS. If you are looking to reduce or restructure your debt, track how your borrowing picture changes. Autumn Statement: Chancellor confirms pension and benefit rises – plus other key announcements and what they mean for you. 09%. Our customers range from; first-time buyers, buy-to-let investors, those looking to remortgage, or those looking to borrow additional funds secured against their existing property. Just wondering what are the chances of getting a mortgage with Natwest. With a team of experienced Business Development Managers, located across England and Wales, we provide a dedicated service helping intermediaries place mortgages quickly and easily. Acceptable proof of name for non-EEA Foreign Nationals. A teacher who was denied a mortgage owing to a County Court Judgement (CCJ) could have secured a loan with the right help, brokers have said. The CCJ is an order from the court instructing you to repay the debt or a smaller agreed amount. Most. Pub, Restaurant Tip: Enter a postcode for a better match. Our approval by the United States Department of Veteran Affairs provides us the honor. There must be evidence of at least one month's worth of savings built up in the account. Ignoring a County Court judgment (CCJ) can cause problems. As the fastest. ” Amount owed: a lower amount owed on the CCJ is more desirable. If you don’t repay, the creditor (the person or company you owe the money to) can ask the court to take steps to reclaim the debt. What type of credit does Nationwide offer? • Overdrafts (which are repayable on demand) • Credit cards • Personal loans • Mortgages (main loans and additional borrowing) Credit cards and personal loans are just for members – you’re a member if you have a current account, mortgage or savings account with us. Notes. Get Personalised Quote. It offers conventional, FHA, VA, and USDA loans for various types of purchases. Edmondson and the Clarks allege that Eagle Nationwide referred them to Genuine Title because of an illegal kickback. CCJs and defaults over £100 have to be satisfied for three years. I wouldn't worry too much now. chelseablue Posts: 3,288 Forumite. Halifax apparently either didn't check Call Credit OR didn't mind the presence of the satisfied CCJ. Key Considerations When Getting a Mortgage with a CCJ. 8 April 2021 at 10:06AM in Mortgages & endowments. It is an action your creditors can take in the debt collection process. Read The Mortgage Works’ lending criteria for buy to let and let to buy mortgages. 86% of respondents rated the company as "bad", with most negative reviews relating to poor customer service. Before out enhancements and bonuses, we earn around £75,000 a year. 01332 742741. Buy to Let Mortgages with CCJ. The size of the CCJ and how long ago will affect how much of it a lender will take. sammyj84 Posts: 61 Forumite. Need more personalized advice? Select one of our mortgage experts to guide you through every step of your project. Please see the below tables for the type of income and proofs we accept. The average APR on a 15-year fixed-rate mortgage fell 1 basis point to 6. Get a quote online today. Get expert mortgage advice from our team of specialist brokers and advisors at Create Finance. Explore our comprehensive guide on securing a mortgage with a County Court Judgement (CCJ). However, there are things you can do to help lessen the impact of a CCJ. Find out if a CCJ has been made against you. Having bad credit could, therefore, be a reason why your Nationwide mortgage application is declined. On Google Play. Age 35-49: - 37% have a joint bank account for everything. The CCJ will appear on your credit report - this is the information that a credit reference agency provides to the company you want to borrow money from. We did a MIP and it was successful, my worry is further down the line when Nationwide do the hard checks when its time to buy the property and do the mortgage application next year in Feb/March (By then the ccj in question will be 3 years old) will we be. If you’ve got a CCJ (County Court Judgement) on your. Nationwide not only looks at the obvious credit history factors like your credit score and adverse payment history, including CCJs, missed payments and defaults. A Notice of Correction is a short statement which you can use to add further information to an entry on your credit report. 0 based on just over 4,000 reviews. It’s possible to choose capital repayment or interest-only repayments. 75% LTV Buy to Let Deal - Call now to secure; Overall cost for comparison 6. Maximum of 4 rental properties can be mortgaged with The Society, whether Buy-to-Let, Holiday Let, HMO, or a combination (maximum £2m value) Minimum income requirement: Single applicant £40,000. If you don’t repay, the creditor (the person or company you owe the money to) can ask the court to take steps to reclaim the debt. Call us. Teacher Sarah Arrowsmith and her fiancé Ross Tredger were poised to submit an offer on a home when she learned of the CCJ against her, The Mirror reported. Remember, speaking to them as soon as possible is the best way to turn that rejection into a mortgage approval. Nationwide does offer mortgages to people with certain types of bad credit, such as county court judgements (CCJs), but not necessarily with more. Green Home Mortgages New Build Mortgages. Hi All Last year & in order to avoid court action being started against me by Nationwide BS, by their agents Shoosmiths, (I was advised on Get Out of Debt FreeUse our mortgage calculator to get a rough idea of what you could borrow - in just minutes. S. For example, if the CCJ was issued five years ago that will impact the lender’s decision less than one served two weeks ago. My partner had a default for £900 in 2011, settled in 2103 and we complete on our house purchase this week. I'd speak to a mortgage broker rather than a solicitor. There are caveats though. So, if your. The good news is that there are plenty of specialist mortgages available to people who've had CCJs - with more than 20 lenders operating in this market. Or 5. Your lender may apply for a CCJ against you if it believes you won’t pay off what. 5 years old around £500. Skipton will accept CCJ's as follows: "County/High Court Judgements (CCJ) Maximum of 1 CCJ / max total value £500 - where latest CCJ registered within last 3 years. Your guides to submitting business. Here are a last few things to keep in mind: Trying to get a mortgage with a very recent CCJ may be hard, unless you were able to pay it off within 30 days and remove it from your record. Self Employed; NHS Mortgages;Our mortgage deals have a ‘Maximum LTV’ - this is the most you would be able to borrow against the purchase price, shown as a percentage. Get Your Best Mortgage Deal.