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remove CCJs |
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Remortgage refused due to CCJs |
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Once served with a CCJ, many lenders
will refuse to help you get a
remortgage. These people or companies
have reasons like credit problems,
mortgage arrears, no proof of income,
CCJs or even self-employment as reasons
for refusing CCJ remortgages. But there
are a few companies who provide CCJ
remortgage when all others refuse.
However there are a number of extra
costs to be incurred to procure a loan
amount once a CCJ remortgage is refused.
These costs include:
Broker's fee Survey/valuation fee Legal
fees for conveyancing Discharge fee
Mortgage repayments/interest rates Life
insurance premiums Not all these fees
apply to all CCJ remortgage refused
cases, but even the minimum could add up
to a large amount.
Seeing a CCJs remortgage refused stamp
can be disheartening. However, there are
products and companies willing to help
borrowers shoulder the economic burden.
Loans sanctioned after CCJs remortgage
refused fall under categories like
"Discount", "Stepped Discount" and
'Fixed'. It helps to understand the
terms and conditions of each before
deciding what suits best considering the
CCJs remortgage refused situation. To
avail of a loan after CCJs remortgage
refused one has to fulfil the following
criteria
Get a mortgage illustration
(KFI)Remortgage Application Property
Valuation Remortgage Offer Legal work,
also known as 'conveyancing' Completion CCJs
Remortgage Refused Specialists
The markets today have a variety of
specialists who work exclusively with
CCJs remortgage refused cases. So in
case you have been served with a notice
stating CCJs remortgage refused, do not
despair. Companies working exclusively
in this segment offer hints and
solutions for many CCJs remortgage
refused saes. Such firms are willing to
research the mortgage market for the
best deals available for their client,
work out the best financial solutions,
support people with poor credit history
etc.
Considering it is difficult to procure
loans after getting a CCJs remortgage
refusal, advice and guidance by
specialist companies helps alleviate the
situation to a large extent. But these
services come for a fee. In addition,
any loans incurred post a CCJs
remortgage refusal draw a higher rate of
interest than normal loans. |
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