Can I get a mortgage in Liverpool if I have a recent CCJ?

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.

How much deposit will I need for a mortgage with a CCJ in Liverpool?

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.

Does the size of the CCJ affect my ability to get a mortgage in Liverpool?

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.

Do I need to pay off my CCJ before applying for a mortgage in Liverpool?

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.

Will having multiple CCJs affect my mortgage application in Liverpool?

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.

How long does a CCJ stay on my credit file?

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.

Will a mortgage broker in Liverpool help me if I have a CCJ?

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.

What documents will I need to apply for a CCJ mortgage in Liverpool?

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.

CCJ Mortgage Advice in Liverpool

Can I get a mortgage with a CCJ in Liverpool?

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.

How to get a mortgage with CCJ in Liverpool?

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.

Types of CCJ Mortgages in Liverpool

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.

Speak to an Advisor

Important information

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.

FAQs About CCJ Mortgages in Liverpool

Our Customers Love Us

4.98 Rating271 Reviews

Tomas

Absolutely amazing from start to finish. Very helpful, every detail explained, every question answered, no delays, whenever we need they always answer within few hours. Couldn't recommend more, makes life so much easier.

1 month ago

Rachel

Lovely, friendly, professional and very knowledgable. Highly recommend to anyone who is looking to find a mortgage or remortgage their exisiting property. Our mortgage advisor Matt Collinson was professional and friendly throughout, answers any...

3 months ago

Anonymous

Very helpful

3 months ago

Mark

Once again Liverpool money man goes above and beyond to help me get another mortgage. I had a few issues regarding being self-employed and struggling to get a mortgage within 1 week LMM had my mortgage approved. Thank you very much all involved....

3 months ago

Charles

Great service, start to finish Tom and the team helped and advise whenever we had any queries. Transparent pricing.

4 months ago

Kelly

I used MoneyMan for my first mortgage, I was thrilled with the service they provided back in 2017 therefore I went back to them for my remortgage Chris & Debbie were super helpful with my remortgage. Would highly recommend.

6 months ago

Christopher

Had a retirement mortgage agreed and completed. Wayne and Moneyman were excellent, very professional, knowledgeable and helpful at all points. Happy to recommend their services

6 months ago

Stacey

I have been using Liverpool Moneyman for my mortgages and remortgages since 2014. Great flexible and friendly service.

7 months ago

Helen

Leo and the team have been exceptionally thorough in explaining all my options. I truly felt that Leo had my best interests at heart, going above and beyond even offering advice and support beyond his usual remit. He’s been incredibly patient with...

9 months ago

Steven

Always very helpful. Helped us buy our first house and have been great assisting with the remortgage process.

10 months ago

Mr James

Always friendly and provide sound advice. Very supportive look out for the best interest of the client.

10 months ago

Kevin

Brilliant from start to finish. No fuss. Chris found me a new deal with my existing provider. Have recommended this company to my friends.

10 months ago

Hannah

Fantastic service from beginning to end, extremely informative and supportive. Daniel was very easy to communicate with and provided all the information we needed.

10 months ago

Michael

Excellent service, always professional and friendly. This is the second time I’ve used moneyman and their advice has been invaluable. Jason and Lizzi have been outstanding.

10 months ago

Vitor

I am so glad I find this Mortgage Broker , specially Tom Bowes and Debbie Stones, they both were very professional and polite from start to end , they keep me informed and updated at all times, the process was very smoth and fast, highly...

10 months ago

Tarique

I wanted to say a big thanks to Paula, Leo, and the Liverpoolmoneyman team. Both Paula and Leo have managed to secure me a great mortgage deal. Making this whole process seamless and less stressful with clear communication during each stage. I would...

11 months ago

Tarique

I wanted to personally thank Leo Shakespeare, and Paula Milner. And the UK Moneyman team for outstanding customer service in securing my new mortgage. Your outstanding expertise, patience, and clear communication has made this whole process much...

11 months ago

Georgia

Daniel was so helpful throughout our remortgage process. We used Liverpool Money Man when taking out the original mortgage and we didn’t regret it at all, so helpful and made us feel so reassured at each stage. Thank you again!

1 year ago

Shauna

Matt and Debbie at Liverpool Money Man were so helpful throughout the process of securing me my mortgage offer. From start to finish, they were friendly & explained every step of the process. They were also easily contactable and responded to any...

1 year ago

Rajeetha

Very good service

1 year ago

Our Simple Mortgage Process

Free Initial Mortgage Appointment

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.

Finding a Suitable Product

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.

Mortgage Application

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.

Completion

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.

Reasons to Choose Us

Free Initial Mortgage Appointment

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.

Search 1000s of Deals

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.

Our Service

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.

7 Days a Week

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.

Malcolm and Amy Davidson - Mortgage Advice in Newcastle

Helping You Find a Mortgage With a CCJ in Liverpool

The Home Buying App

Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.

Download For Free

Purchase

Remortgage

Age 50+ Options

Mortgage Schemes

Specialist

Insurance

Guides

Our Service

Calculators

Your Perks

CCJ Mortgage Advice in Liverpool