4. Visit our Mortgage support page for more information to help you understand the new options and what additional help is available. Wiki User. 'Financial statements' or 'income and expenditure' (I&E) forms help creditors understand your situation. Income & Budgeting. On average, 10% of mortgage applications are declined each year - so rest assured you’re not alone!With Nationwide, the whole remortgage process typically takes around 10 weeks on average. Our standard minimum age at the start of the term is 18 years old. . Arkansas Real Estate. Find out how The Money Hub can help you today. However, the company can become a secured creditor, by making the appropriate court order: 1) If you are unable to come to an arrangement, the company may issue a CCJ summons. You could be offered a different rate based on your personal circumstances. News About the site MSE's Editorial Code How we're financed Martin's blog MSE Forum. If you've got an active CCJ its unlikely you'll get a mortgage on a good rate within the current strict criteria. Sub-categories: Water bills LPG, heating oil, solid & other fuels. . We specialise in providing independent mortgage advice on buy to let mortgages for investors – HMO’s, Limited Companies, Ex Pats, Let to Buy. Nationwide Deposit Unlock mortgage. AIF Mortgage assists the loan purchasing and refinancing needs of home buyers and owners in Hialeah. We round up the key announcements and what…. Enter your checking or savings account information. Mortgage refinancing rates When refinancing your mortgage, you’re replacing your existing mortgage with a new mortgage. With over three decades in the industry, Mortgage Brain is well positioned to reimagine the industry plumbing - the way mortgage products are sourced and distributed. You can confirm our registration on the FCA's website (opens in a new window) Nationwide is not responsible for the content of external websites. Acceptable income (sources) Acceptable loan purpose. Licensed by the U. Gain the flexibility of larger loan amounts, non-owner-occupied status, and lower down payments. Contrary to the above advice I was told that Nationwide conduct a hard search at DIP stage. For example, you could use it to explain why you fell behind with the repayments on a particular loan or credit agreement. 3. County Court Judgements or CCJs can make getting a remortgage a little harder than usual because they appear on your credit record. 10%. Having bad credit could, therefore, be a reason why your Nationwide mortgage application is declined. You can: In the end, because I couldn't wait for Nationwide (waiting for Call Credit to actually update my file), I actually got a new Mortgage with Halifax WHILE the CCJ was still on file. If you have an issue with your credit history such as a County Court Judgement (CCJ), it is still possible that certain lenders will offer you a BTL mortgage. Hello guys, up until may this year i was in serious debt with o/s debts of £28K, but my parents kindly gave me the money to pay it back, i am paying them back every month, quite comfortably, anyway without digressing, My hubby and I would like to move, we have no o/s debts apart from the current mortgate, of which we have never missed a. i = your monthly interest rate. This advice applies to England. Our customers range from; first-time buyers, buy-to-let investors, those looking to remortgage, or those looking to borrow additional funds secured against their existing property. My partner and I are looking to buy our first home and we checked our credit scores on equifax. Now, I'm 25 and worried sick about not being able to secure a mortgage. A CCJ is issued to an individual who fails to make agreed payments on a debt. Mortgage Application. Minimum loan size is £25,000. Solicitor information. [3] Premiums vary based on the species of the pet, plan type and state of residence. 4 out of 5. I would settle the ccj. You can:I was happy to stay with Nationwide - my mortgage provider - and I fully expected an agreement in principle on a larger mortgage. We have taken the average house prices for each quarter since 1996 and actual mortgage lending rates for a mix of different mortgage types in the same time period. And we don't promote 'featured commercial partners'. - 41% have a joint account just for bills. McKinnon analyzes his clients' loan files to match. If you're buying the property with a partner, affordability assessments may. Brean Horne. Enquire online or call us on 0203 725 5830. Acceptable income (sources) Acceptable loan purpose. In the future, you can apply for a new loan on another property. it had been paid by Nationwide. However, as the buy to let property market continues to develop, more and more lenders are beginning to consider approving investors with CCJs; this. We got a £90k mortgage with a CCJ. The Benefits of a Nationwide Mortgage Switch. 2. When a creditor can apply for a charging order. Call 1-800-848-6331 for investment/ financial help. After they get the CCJ, your creditor must apply to the court again to get a charging order. If the CCJ is registered within 30 days, you can contact the claimant and settle the payment. Mortgage approval with a CCJ is possible with the right lender. It is still possible to be approved for a mortgage, albeit with less favourable terms. 01332 742741. Your lender likely lists interest rates as an annual figure, so you’ll need to divide by 12, for each month of the year. They do not have. The Clarks were, likewise, referred to Genuine Title, and their loan settled on January 30, 2009. Whatever your background or circumstances, we can help. Had your Nationwide Mortgage Application declined? Don’t worry. Solicitor information. It is perhaps not as vital as the time passed since it was received, but it is important. At Nationwide Mortgage, Inc. Request a call back or call us on 0330 433 2927 to get in touch. CCJ and CO were from 2009. Failing that, you can still apply for a mortgage with a CCJ appearing in your credit history. See how your total borrowings on mortgages, personal loans, credit cards and other accounts have changed over the last 6 years, and keep a track of the overall position currently being reported by organisations on your Credit Report. How to find a cheap mortgage. Acceptable proof of name for non-EEA Foreign Nationals. Updated on November 24, 2023. Possibly, but unlikely, the creditor goes back to court to ask permission to enforce the debt and gives the court a good reason as to why they haven't bothered to enforce the debt in the last 6years. Default payments- Will accept applicants after three years. I and my partner both have good, stable jobs with a decent income. First time buyers. The answer is yes – but it may not be as easy as it was before. See more below for How the ombudsman can help you. Discuss your utility providers, bills, usage and energy-saving tips. Our mortgages and second. 9%. Unsatisfied CCJs accepted at underwriters' discretion, 36 months for Select range and 24 months for Core range. Call 24/7. 10/1 ARM refinance. 26 June 2014 at 11:43AM. BestUKMortgage - Your Best UK Mortgage resource. Packaging guides. Our approval by the United States Department of Veteran Affairs provides us the honor. uk. We’re here to achieve the right outcome in your debt and property recovery dealings. If interest rates increase by 1% an additional €53. NerdWallet UK website is a free service with no charge to the user. Temporarily change to interest only payments. Deals & Shopping. You may get a county court judgment ( CCJ) or high court judgment if someone takes court action against you (saying you owe them money) and you do not respond. The size of the CCJ and how long ago will affect how much of it a lender will take. We don't place you into a loan profile formula created by the banking industry. The larger your deposit, the more likely it is that specialist lenders are likely to be more flexible on how long you’ve. Explore our comprehensive guide on securing a mortgage with a County Court Judgement (CCJ). They’re typically aimed at first-time buyers, but are available to other. Simply put, a legal charge on property is a document that converts your unsecured loan into a secured one. If the CCJ is registered more than 30 days. Mortgages from Nationwide. In this guide, we will look at some of the factors you will need to know about before applying for a mortgage with a CCJ. What type of credit does Nationwide offer? • Overdrafts (which are repayable on demand) • Credit cards • Personal loans • Mortgages (main loans and additional borrowing) Credit cards and personal loans are just for members – you’re a member if you have a current account, mortgage or savings account with us. Our guide talks you through how to find the best deal, where to look for a good mortgage broker and other key need-to-knows. By responding promptly and taking care. How much can I borrow?Subject to underwriting guidelines, review, and approval. One of the areas it specializes in is home refinancing which involves comparing mortgage terms and interest rates. We’re here to help you find a Skipton Building Society mortgage that is suitable for your needs. As an example Nationwide are really strict - they ask "Have you ever had a CCJ against you", so even trying to get round the 6 year limitation period. 86% of respondents rated the company as "bad", with most negative reviews relating to poor customer service. Accountant's Certificate. How a creditor gets a charging order. Getting a mortgage with a CCJ (county court judgement) on your credit record is possible with our Near Prime mortgages, as long as it meets our lending criteria. This fact sheet tells you the rules about when interest can and cannot be added to your county court judgment (CCJ) debt, if it is regulated by the. If you’re applying for a mortgage with a CCJ registered more than years ago, the size could likely be limited to £2,500 if you’re borrowing up to 85% loan value,. If you have a CCJ (County Court Judgement) on your credit file, finding a mortgage that will allow you to purchase a home can feel impossible – but an independent broker can help. Overdrafts and credit cards are the best way to evidence borrowing and repaying. Nationwide does offer mortgages to people with certain types of bad credit, such as county court judgements (CCJs), but not necessarily with more. Firstly, we will establish what a County Court Judgement is. MCOB regulated post completion. You can apply for a Nationwide mortgage online and over the phone. Struggling to get a mortgage with a ccj it's under 2k and from Jun 2014 so it should fall off soon. The monthly repayment on a 20-year mortgage with Loan to Value (LTV) greater than 80% with variable borrowing rate of 3. You can also speak to one of our mortgage experts by calling us at 1-855-755-9533, option 6. P = the principal amount. Remember, speaking to them as soon as possible is the best way to turn that rejection into a mortgage approval. Please call for free on 0800 2983000 or dial 0333 003 1505 (mobile friendly. Refinance. For example, for a CCJ less than two years old, it’s likely to be more difficult to secure a mortgage if the CCJ was £2,500 or more. Tixy wrote: ». Here are some tips for getting a mortgage with a CCJ: Make sure you have a good credit score. Our range of flexible mortgages are designed for all those with complex circumstances; for the entrepreneurs, the creatives, the self-employed and those on commission and bonuses. Nationwide Mortgage Bankers; 3 Huntington Quadrangle, Suite 403N; Melville, NY 11747; Toll Free: 833-700-8884; COPYRIGHT 2023 NMBNOW | ALL RIGHTS RESERVED |. A County Court judgment (CCJ) is a court order telling you to pay your debt. Use our online tools and mortgage calculators to work out what you can afford to borrow and how much your monthly payments could be with a. He is the branch manager at the Republic State Mortage and has been in the industry for more than 24 years. The average APR on a 15-year fixed-rate mortgage fell 1 basis point to 6. This will help to improve your credit score. Nationwide offers fixed rate and tracker rate mortgages to first-time buyers, home movers and homebuyers looking to remortgage. 99 Trophy Club Drive, Trophy Club, TX 76262. Phone number. Refinance. Gain insights into the impact of a CCJ on your credit report, options with specialist lenders, and the role of a mortgage broker. 2) the SAP rating must be listed on the government register within 2 weeks of completion of your mortgage. The company will then use the information to decide whether to lend you money. Furthermore, the mortgage professionals help clients apply for fixed-rate loans which come in 10-, 15-, 20-, 25-, and 30-year terms. You will have 190 minutes (about 3 hours) to complete the NMLS test. We use information collected by Bankrate, which is owned by the same parent company as CNET, to track daily mortgage rate. Number of CCJs: having more than one (1) CCJ can severely limit mortgage options. However, they each have different restrictions, e. If you already have a mortgage with us, log in to your account or get help here. Having a CCJ on your credit file can make it harder to take out credit. Both came. Find an IFA, Independent Financial Advisers, Whole of Market Financial advisers, Mortgage advisers, Solicitors and Accountants, Adviser Search, financial guides, financial tools and impartial information on professional financial and legal advice. Do you have a CCJ and are struggling to get a mortgage offer? At ams: our expert advisers will help. "I really struggled to get a mortgage as I had a CCJ and buying a 145k house on my own. Hello So we have just got our credit files and it shows my husband has a CCJ from 5 years ago for £400 we didn't know about this. What was in our favour though was good affordability and a large deposit. Your agent will be happy to review the details with you. Home Office: One Nationwide Plaza, Columbus, OH. chelseablue Posts: 3,288 Forumite. You may be asked for one if: You are struggling with debt. We do so with efficiency, sensitivity and commitment to the right resolution. It’s worth talking to specialist. To set up electronic payments for any future refunds: Log in to your Nationwide online account. If your CCJ has been paid off: you stand an even better chance if the judgment is marked “satisfied. The credit card co. This guide also provides valuable tips on improving your credit rating to increase your chances of mortgage approval. The proofs needed to help us confirm your clients' information. Why Equivo?County court judgments and your credit file. Our mortgage support pages can help with everything you need to manage your Nationwide mortgage, all in one place. Or wait until 6 years from the CCJ and it will drop off your record. Niche. The Nationwide Member Personal Loan charges 6. If it’s very recent, in the last year, lenders would be looking for the figure to be less than £1000. It offers a range of loan programs, such as FHA, fixed-rate mortgages, interest-only mortgages, and VA, to meet customers' mortgage and refinancing goals. Please Register to get the most out of the forum. This guide explains how a CCJ. Call 888-546-2634 . Many of you will have been denied a mortgage in the past due to bad credit. Popular loan to value percentages of TSB pensioner mortgages over 65, HSBC later life interest only mortgages over 70, Natwest interest only mortgages for people over 60, L&G equity release schemes for over 55’s, RBS mortgages for people over 55 and Nationwide BS pensioner mortgages over 55 are 45%, 55% and 65%. on the Standard Mortgage Rate (SMR) or the Base Mortgage Rate (BMR). It offers conventional, FHA, VA, and USDA loans for various types of purchases. 95% on a mortgage of €100,000 is €603. If interest rates increase by 1% an additional €53. Before out enhancements and bonuses, we earn around £75,000 a year. Why choose this provider? Robb McKinnon is a mortgage professional serving clients in the Fort Worth area. While it will be more difficult, there are a number of mortgage lenders in the UK that will consider borrowers with CCJs. Monday to Friday, 8am to 6pm. If you are looking to secure a mortgage, but have been issued a CCJ (County Court Judgement), you may find it more difficult to track down a deal that. We encourage consumers visiting this site to continue their home loan. There are instructions in the claims pack, including the N9a form you use to respond. A general guideline for determining whether you should refinance your mortgage is that you should do it only if you can lower your interest rate by at least 2%. Choose an expert. FOR FREE! 033 0088 4407; WhatsApp Us; Main Menu. If the transaction is a gift, the UK gifts criteria will be followed. CCJs-Will accept applicants after three years. Its team can assist clients in changing their loans to either FHA, jumbo, fixed-rate, or adjustable-rate mortgages. FTB_society said:Whether you’re applying for a mortgage or are an existing Nationwide mortgage member – all you need to know, about everything from fees and charges to making changes. A CCJ will show on your credit file for six years from the date of the judgment. Minimum age 18, UK residents only. Call today on 0845 450 9661 and let our expert mortgage advisors help you find the best remortgage deals for CCJs. 75% LTV Buy to Let Deal - Call now to secure; Overall cost for comparison 6. uk. IT IS HEREBY AGREED by and between Nationwide, by its duly authorized officer, John D. Skipton will accept CCJ's as follows: "County/High Court Judgements (CCJ) Maximum of 1 CCJ / max total value £500 - where latest CCJ registered within last 3 years. . You don't need to borrow immediately and a credit file with no other occurrences will show it was a one off and can be put down to ignorance. We are your trusted advisors, guiding you on your unique homeownership path. To find out the latest information on CCJ mortgages, click the enquiry form or call us at 0300 124 5655. is a corporation with its principal office or place of business at 10301 Democracy Lane, Fairfax, Virginia, 22030. ” The number of CCJs issued to consumers jumped by five per cent to 321,044 in Q1 2019 compared. It is still possible to be approved for a mortgage, albeit with less favourable terms. Settle or Reach a Repayment Agreement with the Lender or through the Court. We represent a wide range of "A" rated lenders with first quality rates. Our customers range from; first-time buyers, buy-to-let investors, those looking to remortgage, or those looking to borrow additional funds secured against their existing property. Paying off any CCJs as soon as you can and. After the 6years are up - probably nothing happens. Buy to Let Mortgages with CCJ. A rough idea of the property value. The application for a charging order always has two stages. 5. Having a CCJ associated with your name can put a negative impact on your credit file which could reduce your chances of obtaining a. Who can apply. There are lots of factors to a credit score. You have no settled accounts or history showing how you've handled credit in the past. Make multiple mortgage applications in a short amount of time. It becomes more difficult when the CCJ is dated within the two-year time frame, and what the judgement relates to. The CCJ will appear on your credit report - this is the information that a credit reference agency provides to the company you want to borrow money from. press@companieshouse. A decision in principle (otherwise known as a mortgage in principle, agreement in principle or DIP) is a very early stage of the mortgage application process and determines not only whether a lender is prepared to lend the money but also the amount they can lend. is an unsecured creditor (the debt is not secured against your home unlike a secured mortgage). 2. Any advise is greatly recived please Looking to purchase a house £220,000, deposit £45,000. KPR (Nationwide) issuing CCJ. When a CCJ is tied to your credit file, mortgage lenders will want to know more about it and why you have it. High Level Criteria Minimum Maximum Residential mortgage loan amount £2,000,000 Buy to Let mortgage loan amount £1,000,000 Houses in Multiple Occupation (HMO) If you had a mortgage agreed in principle but were then declined after the underwriting process, this might be because there was an issue with your credit file. Settle or Reach a Repayment Agreement with the Lender or through the Court. For intermediary use only. 7. Account not listed here? Sign up for personal online account access, business online account access or call 1-888-891-0268. If they do not comply and I am stuck with a CCJ, what are my chances of securing a high street bank mortgage? Our budget is £350,000 and we currently have a. An older CCJ may have less impact than a recent one, but with expert guidance, even recent CCJs can be managed. CCJs (County Court Judgement) DMPs (Debt management plans) IVA (Individual Voluntary Agreement). The higher the risk you pose to the lender, the higher the deposit required. The Registry Trust operate the public Register of Judgments, Orders and Fines . The table below shows the cheapest initial rates. Sub-categories: Water bills LPG, heating oil, solid & other fuels. The most recent ccj issued was in Feb 2020 and is unsatisfied to the value of £190. Arrowsmith had earlier disputed a parking. 00 Payable upfront. Closed Sundays and Bank Holidays. It’ll be more difficult as you’ll have fewer options available to you, but it’s not impossible. Total amount repayable is €145,028. Shared ownership. They must have. Nationwide offers the loan with repayment terms between 1 and 7 years, and applicants can apply to borrow from £1,000 to £25,000. Equity release is a mortgage product that allows you to access the money tied up in your home in the form of a loan. Mortgages with CCJs. First time landlords criteria. I am registered with the FSA for mortgage advise. hi there first post go easy,in need of some advice, recently come out of a 2 year fixed rate mortgage, the rate was low and lender have now put us on there…CCJ - 02/10/2019 £2385 (satisfied 6 months after) Default from HSBC (failed to pay) 2018 Salary £34k before OT Partners income 33k Just got approved for £400,000 mortgage after 2. If the CCJ was registered within the last twelve months, then it should be a maximum of £1,000 for you to be considered for an 85% LTV mortgage. Registered Office: Floor 3 Haldin House, Old Bank of. Refinance. However, you may be able to vary the judgment later using an. Here are a last few things to keep in mind: Trying to get a mortgage with a very recent CCJ may be hard, unless you were able to pay it off within 30 days and remove it from your record. ∙ 10y ago. 86. If your mortgage application is declined by Nationwide, you should expect to wait three months before submitting another application. 1A Regulated mortgage contracts: guidance on the meaning of“payment shortfall” 2. If you don't want to change the mortgage, seek a better Nationwide mortgage offer. Book Your Free Consultation 8am - 10pm, 7 Days a Week. Nationwide have not been very open and have tried to dodge my question in regards to there motives, example applying for another CCJ etc however…The biggest limiting factors are if the CCJ is less than 12 months old, or if it’s a high balance of £1,000 plus in the last two or three years. CCJ. Gain insights into the impact of a CCJ on your credit report,. George and Katie went above and beyond. ” Amount owed: a lower amount owed on the CCJ is more desirable. Saturday 8. 4% APR representative on loans between £7,500 and £25,000. 5 years old around £500. Visit SwitchRates, a trusted mortgage switch and transfer comparison service 08007569675 The CCJ is an order from the court instructing you to repay the debt or a smaller agreed amount. But the satisfied CCJ was still enough for a big mark down on my Call Credit score - and Nationwide are one of the. Although getting a mortgage with a CCJ isn't straightforward, it certainly isn't impossible. This means paying your bills on time and keeping your credit utilization low. The Credit History question should be answered as ‘Yes' if any customer has had a County Court Judgement (CCJ) or default registered against them, or if self employed against their business, within the last 6 years. e. Use the main board for electricity and gas, or explore the sub-boards for water and other fuels. While it will be more difficult, there are a number of mortgage lenders in the UK that will consider borrowers with CCJs. At Nationwide Mortgage, Inc. A recent CCJ can make a mortgage application harder. Pub, Restaurant Tip: Enter a postcode for a better match. . We can consider a maximum age at the end of the term of 75 years old for residential lending, however, where the mortgage term takes the borrower past either age 70 (before their 71st Birthday) or their. 74. Important information. Utilities aren't really considered borrowing. Case in point, borrowers with a debt management plan are usually rejected outright after the underwriters’ hard credit check. Insurance. By using our website you consent to all cookies in accordance with our. My partner had a default for £900 in 2011, settled in 2103 and we complete on our house purchase this week. Source of deposit criteria. In the past, people with poor credit and CCJs could secure bad credit mortgage or remortgage. ›Bankruptcy & living with it. You could be offered a different rate based on your personal circumstances. Higher LTV criteria and top tips. In this guide (13 articles) Mortgage types explained. 30am to 4pm. Business, Economics, and Finance. Specialist Buy to Let Mortgage Broker. According to customer review site Trustpilot, NatWest scores 1. Your oldest account on file isn't even a year old. There must be evidence of at least one month's worth of savings built up in the account. Nationwide Building Society reserves the right to collect from you any. Get a quote online today. Mortgages with CCJ. The CCJ will appear on your credit report - this is the information that a credit reference agency provides to the company you want to borrow money from. In other words, you. So we have just got our credit files and it shows my husband has a CCJ from 5 years ago for £400 we didn't know about this. Went with a broker and had no issues whatsoever. Wife is not currently working I earn 64k a year and wondering if any challenger banks would offer me a mortgage even if small at 150k. Use the main board for electricity and gas, or explore the sub-boards for water and other fuels. However, with the kind of expert mortgage advice provided by CLS, all is not lost. with TSB, you’ll be declined if you have a CCJ over £100 in the last 12 months. O. Robb McKinnon. Buy to Let Mortgages with CCJ. I had over 50% of the sale price (once the 1 bed was sold). Monthly repayment £194. 2) At the hearing you will either. Bad Credit. The Team; Areas We Serve;Call 0808 189 2301 or make an enquiry online and we’ll pair you up with a mortgage expert who helps people who’ve been declined previously. Acceptance will depend on the specific details of the CCJ amongst other considerations such as salary. 37 inc court fee. 429% and the average APR for a 5-year adjustable-rate mortgage (ARM) rose 2 basis points to 8. Our mortgage calculators can help work out what you could be paying each month, how much we might lend you or how long it could take you to save for an average priced home in your chosen neighbourhood. Some lenders may take a view when a CCJ is under £300 or in respect of a mobile phone contract. Can I Get a Mortgage with CCJs – Yes, it is possible. 75% LTV Buy to Let Deal - Call now to secure; Overall cost for comparison 6. 70%; Representative Example: Mortgage of £120,000 on property valued at £200,000 over term of 25 years. Whether it’s understanding credit details, choosing between mortgage options, or getting clarity on market trends, we’ve got you covered. Looking to find a mortgage with a CCJ, but worried about a history of bad credit. Getting a mortgage will often depend on the circumstances of a CCJ. Joint bank account use by couples (24,046 votes) Under-35s: - 21% have a joint bank account for everything. Borrowers must. The Nationwide banking app has a 4. CCJs, Bankruptcy and IVAs- Will not accept applicants. Age 35-49: - 37% have a joint bank account for everything. The order secures an outstanding loan of. Simply Adverse is a nationwide broker that provides a tried, tested, and successful service for connecting adverse credit mortgage lenders and CCJ mortgage lenders with people searching for first and second mortgages, as well as remortgages and buy to let mortgages. We use information collected by Bankrate, which is owned by the same parent company as CNET, to track daily mortgage rate. Nationwide does offer mortgages to people with certain types of bad credit, such as county court judgements (CCJs), but others are a deal-breaker. Please see the below tables for the type of income and proofs we accept. If you owe too much, it can affect your loan-to-value ratio. Deals are available for people with CCJs worth up to £5,000, but to get the best rate you'll need to have had maximum CCJs of £250 to £500. 89%. Normally the applicant should have no CCJs although one satisfied CCJ under £250 can be accepted (Scotland: Sheriff's. It’s a case of finding the right specialist. However, as the buy to let property market continues to develop, more and more lenders are beginning to consider approving investors with CCJs; this. [email protected]. Nationwide offers home insurance, auto insurance, life insurance and more to fit your budget and needs. Illustration Type = ESIS. 85% of market value. - 41% have a joint account just for bills. Fortunately, we can help you to get hold of the remortgage deal you require. Some consumers may be able to pay what they owe immediately or set up a satisfactory payment plan with the creditor. Call today on 0845 450 9661 and let our expert mortgage advisors help you find the best remortgage deals for CCJs. How to Get a Mortgage with a CCJ (County Court Judgement)If you are trying to get a mortgage but have a CCJ (County Court Judgement), this video will explain. 123 movies. Although getting a mortgage with a CCJ isn't straightforward, it certainly isn't impossible. That will limit you in terms of lenders. We’ve given our full backing to the government’s Mortgage Charter. Given that the average score across the UK is around 759, that means you’ll definitely have a Very Poor credit score (anywhere from 0.