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Getting a mortgage with a County Court Judgement (CCJ) in Liverpool can be more challenging, but it’s not impossible.
Many mortgage lenders will look into the specifics of your CCJ, such as how long ago it was issued and whether it has been satisfied.
Some specialist lenders are more open to considering applications from people with adverse credit. Working with a mortgage broker in Liverpool like us can increase your chances of finding a suitable lender who may be willing to offer you a mortgage despite your CCJ.
To improve your chances of getting a mortgage with a CCJ in Liverpool, you’ll need to take certain steps. Start by checking your credit report and ensuring all information is accurate.
Lenders will want to see that you’ve made efforts to manage your finances effectively since the CCJ. It’s also helpful to have a larger deposit saved, as this lowers the risk for lenders.
Speaking with a mortgage broker in Liverpool can be highly beneficial, as they have access to a range of lenders who specialise in cases like yours and can guide you through the application process.
Several types of mortgages are available for those with a CCJ. While high street lenders might be more cautious, some specialist lenders offer tailored products for individuals with a history of adverse credit.
You could explore options like fixed-rate or tracker mortgages, depending on what suits your financial circumstances.
A mortgage broker in Liverpool can help identify the most suitable mortgage type for your situation, connecting you with lenders willing to consider applicants with CCJs.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Yes, but it might be more difficult. The age of the CCJ plays a significant role in how lenders view your application.
While some lenders prefer a CCJ to be a few years old, others may still consider your application if the CCJ is recent, particularly if it has been satisfied.
Working with a specialist mortgage broker in Liverpool can help you find the right lender for your situation.
The deposit requirement may vary depending on the lender.
Typically, those with a CCJ might be asked to provide a larger deposit, often between 10% and 25% of the property’s value.
A higher deposit reduces the lender’s risk, which can improve your chances of mortgage approval.
Yes, the size and date of the CCJ can influence a lender’s decision.
Smaller, satisfied CCJs from several years ago are generally viewed more favourably than larger, unsatisfied ones.
Lenders will also consider your overall credit history and current financial situation.
While it’s not always necessary to pay off a CCJ before applying, having a satisfied CCJ can significantly improve your chances with some lenders.
It shows that you’ve taken responsibility for your debts and may make lenders more inclined to offer you a mortgage.
Having multiple CCJs can make securing a mortgage more challenging, as it suggests a pattern of financial difficulty.
However, some lenders specialise in working with applicants who have complex credit histories.
A mortgage advisor in Liverpool can help identify these lenders and improve your chances of finding a suitable mortgage.
A CCJ typically remains on your credit file for six years from the date it was issued.
During this time, it can impact your credit score and affect your ability to obtain a mortgage.
However, as time passes and your financial situation improves, some lenders may be more willing to consider your application.
Yes, a mortgage broker in Liverpool experienced with adverse credit cases can be invaluable.
They have access to a wider range of lenders, including those who specialise in helping applicants with a CCJ.
This can save you time and increase your chances of finding a lender that suits your circumstances.
You’ll need standard mortgage documents, such as proof of income, bank statements, and ID.
Additionally, you may need to provide information about your CCJ, including when it was issued, the amount, and whether it has been satisfied.
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Your journey begins with a free initial mortgage appointment, where you’ll chat with one of our knowledgeable mortgage brokers in Liverpool.
We’ll discuss your financial situation, answer your questions, and get a better understanding of the options available to you.
After assessing your circumstances, we’ll search through thousands of mortgage products to find the one that most suitable fits your needs.
We’ll make sure to compare various options, including specialist products, to secure the most favourable deal for you.
Once you’ve chosen your mortgage, we’ll handle the entire application process, taking care of all the paperwork for you.
Our team will stay in touch with the lender and keep you updated on the progress of your application.
With your mortgage offer in place, we’ll work alongside your solicitor to finalise all the legal details.
On completion day, the funds are released, and you can officially collect the keys to your new home or enjoy the new terms of your remortgage.
We offer a free initial mortgage appointment to help you get started on your journey with no upfront costs.
Our expert mortgage advisors in Liverpool are here to provide advice tailored to your specific needs and circumstances.
With access to thousands of mortgage deals, we search the market to find the one that suits your financial situation.
We aim to secure you the most competitive rates, whether you’re a first time buyer in Liverpool or looking for a specialist mortgage.
From start to finish, our dedicated team will guide you through every step of the mortgage process.
We handle all the paperwork, liaise with lenders, and ensure that your experience is as smooth and stress-free as possible.
Our team is available seven days a week, offering support at a time that suits your busy schedule.
We’re here to answer any questions and provide guidance whenever you need it.
Yes, it is possible to get a mortgage if your CCJ in Liverpool is marked as satisfied, especially if it has been settled for some time.
Many lenders view satisfied CCJs more favourably as they show a willingness to resolve past financial issues, which can improve your chances of mortgage approval.
If your CCJ is still on your credit report, getting a mortgage can be more challenging, but it’s not out of reach.
Some specialist lenders in Liverpool are open to considering applicants with active CCJs, especially if they have been managed responsibly over time.
In most cases, lenders may require a larger deposit if you have a CCJ, typically around 15-25% of the property’s value.
A larger deposit reduces the lender’s risk, which can help you access more competitive mortgage rates despite your credit history.
Yes, remortgaging with a CCJ is possible, although the options might be more limited than standard remortgages.
When you remortgage, you’re essentially taking out a new deal, and lenders will carefully assess your current financial situation, including any CCJs on your credit record.
If you have recently been issued a CCJ and you are looking to remortgage, it is important to speak to an expert. Getting mortgage advice in Liverpool could help you find a better deal, despite your scenario.
The length of time since the CCJ was issued can impact your mortgage application.
Generally, the older the CCJ, the more favourable your chances; lenders typically prefer CCJs that are at least 2-3 years old, but some may consider more recent ones depending on your current financial situation and payment history.
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Liverpoolmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Liverpoolmoneyman 2025.
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Liverpoolmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Liverpoolmoneyman 2025.
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