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Finding the right mortgage can be overwhelming, especially if you have a County Court Judgment (CCJ) on your credit record.
Our team of experienced mortgage advisors in Bristol can offer tailored mortgage advice to help you navigate the complexities of securing a mortgage, even if your credit history isn’t perfect.
As a specialist mortgage broker in Bristol, we explore a wide range of lenders to find a deal that suits your unique circumstances, ensuring you get the support you need throughout the process.
Having a CCJ doesn’t mean you can’t get a mortgage in Bristol. While some high street lenders might be more cautious, specialist lenders often provide mortgage options for those with a CCJ.
The type of mortgage you can access depends on factors such as the size of the CCJ, how long ago it was registered, and your overall financial situation.
As an experienced mortgage broker, we can assess your circumstances and offer personalised mortgage advice in Bristol, helping you find a suitable mortgage option tailored to your needs.
Securing a mortgage with a CCJ can be challenging, but our team is here to support you every step of the way.
Our dedicated mortgage advisors in Bristol have extensive knowledge of lenders who specialise in mortgages for those with a CCJ.
We will provide expert mortgage advice, guiding you through your options and helping you prepare a strong application. As a trusted mortgage broker in Bristol, we work tirelessly to find you the best possible deal, increasing your chances of approval and setting you on the path to homeownership.
Yes, it is possible to get a mortgage with a CCJ in Bristol. While some high street lenders may be more cautious, there are specialist lenders who consider applications from individuals with a CCJ.
Speaking to a mortgage broker in Bristol can help you understand your options and improve your chances of securing a suitable mortgage.
A CCJ can impact the range of mortgage options available to you, often resulting in stricter criteria or higher interest rates.
Many lenders look at factors such as the size of the CCJ, its age, and whether it has been satisfied.
Our mortgage advisors in Bristol can provide tailored mortgage advice based on your situation, helping you find a lender willing to work with you.
Typically, lenders may require a larger deposit if you have a CCJ, usually around 15-25% of the property’s value.
This helps reduce their risk. A mortgage broker in Bristol like us, can help you explore your options and understand the deposit requirements specific to your case.
Some lenders may consider offering a mortgage with an unsettled CCJ, depending on factors like the CCJ’s age and amount.
Most lenders prefer a CCJ that has been satisfied. Our mortgage advisors in Bristol have experience working with lenders who specialise in such cases, so we can provide expert advice tailored to your situation.
The impact of a CCJ lessens over time, so the longer ago it was registered, the better your chances of securing a mortgage.
Most lenders will want to see at least 12-24 months since the CCJ was issued, but some may consider applications sooner.
Seeking mortgage advice in Bristol can help you assess your eligibility and the best time to apply.
You’ll need to provide standard mortgage documentation such as proof of income, bank statements, and ID.
Additionally, you may need to supply evidence regarding your CCJ, including proof of settlement if applicable.
A mortgage advisor in Bristol like ourselves can guide you on the specific documents required for your application to strengthen your case.
Yes, working with a mortgage broker in Bristol can significantly improve your chances.
We have access to search 1000’s of deals from a variety of specialist lenders who are more flexible with applicants who have a CCJ.
Our team can match you with lenders best suited to your circumstances, providing expert mortgage advice to help you find a suitable deal.
Remortgaging with a CCJ is possible, though the options may be more limited.
The ability to remortgage will depend on factors such as the CCJ’s age, your current equity, and financial circumstances.
Our mortgage advisors in Bristol can provide tailored advice to help you navigate the remortgage process and find the right lender.
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Adam
Worth their weight in gold. Helped navigate a complex mortgage enquiry, we would have fallen at the first hurdle if we were applying on our own. Excellent response times and always kept us informed. Was on the fence about going with a broker at all...
10 months ago
James
Malcolm and his team are so helpful, from the first call I had to discuss options all the way to getting my mortgage offer today. Any query I've had they answered immediately and offered to talk through my options, my case worker Lizzi was...
11 months ago
Jessica
Very responsive even in late evenings! Answered all of the questions that I had, explained the whole process through out and made the house buying process so much easier!
2 years ago
Anonymous
Helen was lovely to chat with, she booked me in for an appointment with a broker within minutes of me sending an email enquiry on a Sunday and explained everything about the process really well.
2 years ago
Eamonn
Spoke to several Mortgage Brokers about my situation and having talked to Malcolm, he fully understood my views and gave me his honest opinion. A very professional, friendly, and efficient service that enabled us to the best mortgage on the market.
4 years ago
During this meeting, our dedicated mortgage advisors in Bristol will assess your financial situation, discuss your needs, and provide tailored mortgage advice.
Whether you’re seeking a mortgage with a CCJ in Bristol or simply need guidance, we’re here to help you understand your options and take the first steps toward homeownership.
We’ll compare these options and find the most suitable mortgage to fit your circumstances.
With our extensive knowledge and connections to specialist lenders, we make finding the right mortgage as straightforward as possible.
Our team will ensure all documents are in order, liaise with the lender, and keep you updated every step of the way.
With our expert mortgage advice in Bristol, your application will be submitted efficiently, giving you the best chance of success.
We’ll also discuss how to protect you and your investment with suitable insurance options.
Our mortgage advisors in Bristol will help you choose the right protection to safeguard your home and financial future, providing peace of mind for you and your family.
Our expert mortgage advisors in Bristol will take the time to understand your needs and assess your financial situation.
We’ll provide clear, tailored mortgage advice to help you explore your options, whether you’re looking to remortgage or find a new deal.
Our mortgage brokers in Bristol will search through these options to find the best remortgage deal suited to your circumstances.
We do the legwork for you, ensuring you save time and potentially money in the process.
Our service is designed to be straightforward and stress-free. From your initial appointment to submitting your application, our mortgage advisors in Bristol handle everything for you.
We keep you informed at each stage, offering professional guidance tailored to your situation, so you can feel confident in every decision you make.
Our mortgage advisors in Bristol are available seven days a week, ready to answer your questions and provide mortgage advice that fits around your schedule.
We're dedicated to making the mortgage process as convenient as possible for you.
Rebuilding your credit score after a CCJ in Bristol takes time and careful financial management.
Start by making sure you meet all your existing financial commitments, such as paying bills on time and reducing outstanding debts.
Regularly check your credit report for errors and consider using a credit-builder card to demonstrate responsible borrowing.
Our mortgage advisors in Bristol can provide tailored advice to help improve your credit profile for future mortgage applications.
Yes, it is possible to dispute a CCJ in Bristol if you believe it was issued in error.
You can apply to have the judgment ‘set aside’ if you were unaware of the court proceedings or if you paid the debt before the CCJ was registered.
You will need to provide evidence to support your case.
If you’re looking for more detailed guidance, it’s wise to seek legal advice or consult with a mortgage advisor in Bristol who can help you understand the potential impact on your mortgage options.
A mortgage broker in Bristol can be invaluable in helping you secure a mortgage with a CCJ.
They have access to a range of specialist lenders who are more flexible with borrowers who have adverse credit.
The broker will review your financial situation, provide tailored mortgage advice in Bristol, and match you with a lender willing to consider your application.
By managing the process from start to finish, they can increase your chances of approval and find a suitable mortgage deal.
A CCJ will remain on your credit report for six years from the date it was issued, whether you pay it off or not.
Settling the CCJ can improve your chances of being approved for a mortgage during that time. Our mortgage advisors in Bristol can guide you through the available options and how to present your application in the best light.
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Bristolmoneyman.com & Bristolmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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Bristolmoneyman.com & Bristolmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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