Are You A First Time Buyer Wanting A Mortgage With CCJs !

If you are looking for finance for your first-time home mortgage then it can be hard work particularly if you have CCJs (county court judgements). Your initial action may be to try normal financial companies such as bank and building societies. Unfortunately most of these finance companies will take on first time buyer's but not if they have CCJs. Here you need to be a smart shopper and shop around the market.

Trying lender after lender can be a big hassle and may put you off getting your first time buyer mortgage. What you need is a company who specializes in in CCJs. Your best option is usually a mortgage broker or an independent financial adviser obviously if you have county court judgements the interest rate that you pay may be higher than the bank's but at least you get your foot on the ladder.

Nowadays first time buyers have many options some lenders will need a deposit while others will not. Some will offer cash back mortgages. Some will give free legal fees. The best advice we can offer is to shop around due to the fact that you have CCJs and a bad credit history doesn't mean you have to take first offer on you mortgage. Remember you will be paying the monthly payment for a long time so getting the best deal is important.

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