Remortgage With CCJ

County Court Judgements or CCJs can make getting a remortgage a little harder than usual because they appear on your credit record. Fortunately, we can help you to get hold of the remortgage deal you require.

Call today on 0845 450 9661 and let our expert mortgage advisors help you find the best remortgage deals for CCJs.

What is a CCJ?

You may have a CCJ because you’ve fails to make repayments in time and have been taken to court. If you fail to repay the money owed before a month elapses, the CCJ goes in your credit file.

A CCJ appears on a public database called the Register of Judgments, Orders and Fines, as well as on your credit file, for six years. During this time you will need to take your CCJ into account when choosing where to apply for a remortgage, as not all lenders will accept current CCJs. Also, if you have more than one CCJ against your name, lenders may consider you more of a risk and you may not be able to get a remortgage at such a good rate.

Get a remortgage with a CCJ

Before you start approaching mortgage providers in the hope of getting a remortgage with a CCJ, you should take a look at your credit score. It’s all too easy to bury your head in the sand when it comes to keeping an eye on your credit history, particularly if you already know it to be less than perfect. However, it’s important to know exactly what your position is and what you can do to make your credit history more attractive to lenders. A variety of websites allow you to check your credit score so you can confirm exactly what you need to improve, as well as checking how long is left on your CCJ. You cannot remove a current CCJ from your credit record but it makes sense to do all you can to ensure that the rest of your credit rating is as good as possible by, for example, making sure you are on the electoral register.