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remove CCJs |
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Guaranteed unsecured loan when you have
CCJs |
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Unfortunately there is no such thing as
a guaranteed unsecured loan when you
have CCJs (County Court Judgements).
Each lender assesses you on a different
basis the main things took in to account
are any defaults or CCJs if you have any
then these affect whether your
application for finance is accepted or
not. The interest rates offered also
depends on your personal circumstances.
So the monthly payment ultimately does.
Unsecured loans are less likely to be
successful if you have CCJs in your past
credit file. Even if you are accepted
for an un-secured the monthly payment
amount due to the higher interest rate
might be offered. If you are a homeowner
then a secure loan is more or less
guaranteed. As long as you have enough
equity in your property then most
secured lending finance companies will
accept you. Even if you have a very bad
credit file with CCJs and defaults.
The reason why the interest rates on
secured loans opposed to unsecured loans
is lower as the money the lender as
given you is more or less guaranteed to
be paid back. Even if you stop paying
back then the lender can take your
property from you as they normally go
second charge on the property after your
bank or building society.
Which type of loan is best for a
customer with CCJs depends on the loan
amount that is required. A smaller loan
would normally be OK with County Court
Judgements on a unsecured basis. However
for larger loans particularly home
improvements or debt consolidation that
may need to go over a monthly payment
term of 10 years plus we would suggest a
secured credit loan. However neither
loan is guaranteed and both depend on
the lenders criteria and your personal
circumstances. |
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95% LTV Mortgages with CCJs |
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CCJs Problem Mortgages |
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CCJs Removal |
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Change mortgage with CCJs |
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Commercial Mortgages with CCJs |
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Fast Secured Loan with CCJs |
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Guaranteed Unsecured Loans with CCJs |
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Mortgage for first time buyer with CCJs |
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Mortgage for people with CCJs |
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Remortgages refused sue to CCJs |
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Remortgages with CCJs |
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CCJs no equity loan secured |
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100% Mortgages with CCJs |
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CCJ Mortgage Broker |
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Business CCJ Implications |
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Car Loans with CCJs |
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100% CCJ Mortgages |
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Car Credit with CCJs |
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CCJs and Defaults Unsecured Loan |
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Personal Loans with CCJs |
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Mortgage with CCJs in Wales |
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Removal of CCJs |
