Looking For A Mortgage With CCJs

Your mortgage will provide finance for your home which will probably be one of your biggest financial purchases throughout your life. If you have CCJs (County Court Judgements) then finding the right mortgage can be a nightmare. Only a few years ago getting mortgage finance from a bank or even other financial lenders if you had CCJs was next to impossible.

A lot has changed since then and nowadays many companies even bank's and financial companies that at one time would never give a mortgage to someone with CCJs in some instances accept County Court Judgement applications.

Because homes are so expensive even a slight difference in interest rates can have a needed drop in your mortgage repayment. A person with an A1 credit history and no bad debt can expect a competitive interest rate of around 4.9. The rates that adverse credit customer with CCJs (county court judgements) against them can be found at rates not much higher, 6.89. Considering that after 2 years payments you could remortgage and get a lower rate as the CCJs are older and then you can get a better rate.

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