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CCJ Remortgage
- Published 11/29/2007
Get a CCJ remortgage quote
CCJ remortgages are for those who have had a County Court Judgement upheld against them. This can be for thousands of pounds if you have defaulted on a car loan, or a matter of pence if- for instance- you have had an unpaid library fine which has been taken to court.
Either way, these will go on your credit record for six years and will materially affect your ability to get credit in the marketplace. Traditional high street lenders like the Abbey, Halifax or Nationwide will not lend to people with high levels of adverse credit indicated by the presence of a CCJ. However, mortgage brokers have access to many niche lenders- often owned by big building societies or banks- who happily provide CCJ remortgages to those in need. The only drawback is that the interest rates are higher than for standard ‘prime’ loans.
CCJ remortgages usually allow you to raise capital to pay for home improvements, consolidate unsecured debts or pay school fees. Indeed, a CCJ remortgage may be the best option if you have many unmanageable debt commitments which have resulted in a CCJ.
At The Mortgage Provider, we have arranged CCJ remortgages for our clients for over 10 years. We are independent, directly authorised and ‘whole of market’ so we have access to every CCJ remortgage in the UK. Leave your details below and we will search all of our CCJ remortgage lenders for the best possible deal for your circumstances.
CCJ remortgages are for those who have had a County Court Judgement upheld against them. This can be for thousands of pounds if you have defaulted on a car loan, or a matter of pence if- for instance- you have had an unpaid library fine which has been taken to court.
Either way, these will go on your credit record for six years and will materially affect your ability to get credit in the marketplace. Traditional high street lenders like the Abbey, Halifax or Nationwide will not lend to people with high levels of adverse credit indicated by the presence of a CCJ. However, mortgage brokers have access to many niche lenders- often owned by big building societies or banks- who happily provide CCJ remortgages to those in need. The only drawback is that the interest rates are higher than for standard ‘prime’ loans.
CCJ remortgages usually allow you to raise capital to pay for home improvements, consolidate unsecured debts or pay school fees. Indeed, a CCJ remortgage may be the best option if you have many unmanageable debt commitments which have resulted in a CCJ.
At The Mortgage Provider, we have arranged CCJ remortgages for our clients for over 10 years. We are independent, directly authorised and ‘whole of market’ so we have access to every CCJ remortgage in the UK. Leave your details below and we will search all of our CCJ remortgage lenders for the best possible deal for your circumstances.