Tracker mortgages. Its team offers a wide range of lending options, from FHA and VA to adjustable-rate loans. If you have a registered or settled a CCJ, there are still mortgages options available. It’ll be more difficult as you’ll have fewer options available to you, but it’s not impossible. 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. Do you have a CCJ and are struggling to get a mortgage offer? At ams: our expert advisers will help. 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. When submitting an application for lending greater than 85%. With a team of experienced Business Development Managers, located across England and Wales, we provide a dedicated service helping intermediaries place mortgages quickly and easily. Whatever your background or circumstances, we can help. the answer is yes, it is possible. If you’re searching for a mortgage and are worried about a recent CCJ or. If interest rates increase by 1% an additional €53. Saturday 8. Buy to Let Mortgages with CCJ. There are instructions in the claims pack, including the N9a form you use to respond. He is the branch manager at the Republic State Mortage and has been in the industry for more than 24 years. Skip to content. Box 100100, Duluth, GA 30096-9377 Qualified. Interest rates are at the highest they've been for many years, so getting the right mortgage can save you £100s each month. They can tell you whether an appeal with Santander is a better option than finding an alternative lender. One of the areas it specializes in is home refinancing which involves comparing mortgage terms and interest rates. CCJs, Bankruptcy and IVAs- Will not accept applicants. IVA and Bankruptcies that have been discharged two years or more can also be accepted. g. 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. uk 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. ” The number of CCJs issued to consumers jumped by five per cent to 321,044 in Q1 2019 compared. A charging order basically comes with a document called a “charge document”. Overdrafts and credit cards are the best way to evidence borrowing and repaying. " If you fall within this, you will get the standard rate on offer. Up to £1,000,000. Be prepared to explain the CCJ to the lender. Of course in theory you could say no on the basis it's not on the record, but that would be a really bad idea as lying on a mortgage application is fraud and the bank/building society will show. Don’t. Autumn Statement: Chancellor confirms pension and benefit rises – plus other key announcements and what they mean for you. Nationwide Mortgage Bankers, Inc. Buy to Let Mortgages with CCJ. 09%. 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. 73. Business, Economics, and Finance. Shared ownership. 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%. Finding a buy to let mortgage can be difficult at the best of times, and the process is made no easier if you have adverse credit or a CCJ registered against you. 6K discussions 731. A CCJ would not be pursued by a creditor until all other avenues of redress have been exhausted. 86. Refinance. Getting a mortgage with a CCJ 7 replies FooFighter99. The Chancellor Jeremy Hunt has today (Wednesday 22 November) announced a range of tax, benefits and savings measures. Of course in theory you could say no on the basis it's not on the record, but that would be a really bad idea as lying on a mortgage application is fraud and the bank/building society will show. If you can’t repay you can ask the court to change the regular payments or suspend the order. 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. Why choose this provider? Sixth City Group is a mortgage firm that serves clients in Cleveland. 70%; Representative Example: Mortgage of £120,000 on property valued at £200,000 over term of 25 years. Acceptable income and proofs required. 89%. 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. 22 February 2016 at 10:32AM. If you’re concerned about making future payments, or you’ve already missed one, find out what we can offer you. Just wondering what are the. There are lots of factors to a credit score. 35. E. Get the inside scoop on jobs, salaries, top office locations, and CEO insights. The bigger the deposit, the better access you’ll have to lower rates, and lower monthly payments. Additional income. Closed Sundays and Bank Holidays. Having a CCJ on your credit file can make it harder to take out credit. First your creditor has to get an 'interim order' and then a 'final order'. With specialist CCJ mortgage advice and help from the CCJ mortgage specialists here at Simply Adverse, you can improve your chances of being accepted for a mortgage with bad credit and CCJ problems. You can also speak to one of our mortgage experts by calling us at 1-855-755-9533, option 6. Your guides to submitting business. In other words, you. This is subject to change depending on the lender’s criteria. CryptoRemortgage with CCJ - Compare Remortgage with CCJ offers by calling 0117 403 4474 - Use our FREE Mortgage Calculator - Fixed Rate Remortgage Deals from 2, 3, 4 and 5 years - Top Remortgage with CCJ deals. 8 April 2021 at 10:06AM in Mortgages & endowments. A rough idea of the property value. i = your monthly interest rate. Buy to Let Mortgages with CCJ. To set up electronic payments for any future refunds: Log in to your Nationwide online account. For debts which are still outstanding, the financial amount of the CCJ can also have an impact on how the application is viewed. Mortgage with a CCJ. Bad Credit. If the CCJ is within the last 12 months then the specialist mortgage. Not showing as being on the electoral roll. Once I have my credit report updated, i know the CCJ will remain on my file as satisfied, Some banks will still offer. 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. 9%. We will accept a maximum of four CCJs in the last three years as long as they were issued over 12 months ago and are either satisfied in full or have a total combined unsatisfied value. 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. The credit card co. Better to try after that. Joint bank account use by couples (24,046 votes) Under-35s: - 21% have a joint bank account for everything. NerdWallet UK website is a free service with no charge to the user. P. Normally the applicant should have no CCJs although one satisfied CCJ under £250 can be accepted (Scotland: Sheriff's. Our mortgage repayments calculator can help you find out how much your monthly mortgage repayments might be, or how a rate change could affect your repayments. ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ Select Download Format Apply For A Mortgage With A Ccj Download Apply For A Mortgage With A Ccj PDF Download Apply For A Mortgage With A Ccj DOC ᅠ Nationwide broker who to apply for mortgage with work Relationships are more, apply for creditProperty criteria. ∙ 10y ago. Phone number. We round up the key announcements and what…. On Google Play. News About the site MSE's Editorial Code How we're financed Martin's blog MSE Forum. 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 representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years for our members with a mortgage, savings or current account. 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. There are caveats though. Or 5. 89%. Fee Free Mortgage Advice from the UK’s Best Mortgage Broker. Explore our comprehensive guide on securing a mortgage with a County Court Judgement (CCJ). However at First Choice Finance we have numerous lenders who understand that in some circumstances a CCJ should not stop you having access to mortgages, with lenders available offering competitive mortgages, remortgages and second mortgages for people with CCJ`s. Temporarily change to interest only payments. CCJ. Apply for the best-rate mortgages. County Court Judgements or CCJs can make getting a remortgage a little harder than usual because they appear on your credit record. 0 based on just over 4,000 reviews. McKinnon analyzes his clients' loan files to match. Finding a buy to let mortgage can be difficult at the best of times, and the process is made no easier if you have adverse credit or a CCJ registered against you. However, you may be able to vary the judgment later using an. 09% with no fee. If it was within two years, a CCJ over £2,500 further complicates your mortgage application. Acceptable income (sources) Acceptable loan purpose. My partner had a default for £900 in 2011, settled in 2103 and we complete on our house purchase this week. Uncover why Nationwide Mortgage Bankers Inc is the best company for you. Having a CCJ on your credit file can make it harder to take out credit. Mortgage approval with a CCJ is possible with the right lender. 100% mortgages are also known as no-deposit mortgages, zero deposit mortgages and 0% deposit mortgages. Learn all you need to know about remortgaging with a CCJ. At Nationwide Mortgage, Inc. It’s worth talking to specialist. Acceptable income (sources) Acceptable loan purpose. - 56% have a joint account just for bills. Any advise is greatly recived please Looking to purchase a house £220,000, deposit £45,000. LegalsWhen you can switch mortgage online. We’ve signed up to the government’s Mortgage Charter. In short, I have a regular ‘Good’ wage 5-10k a month, I have a mortgage with LTV less than 50%, I have a credit card with a limit of £1400 and zero balance, I don’t have an overdraft, I don’t have any loans, or outstanding credit (other than Nationwide’) I’ve lived in the same house for 18years, I’m on the electoral register, I. Navigate to Payment Preferences. Pub, Restaurant Tip: Enter a postcode for a better match. Total amount payable £11,661. 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. If your mortgage application is declined by Nationwide, you should expect to wait three months before submitting another application. I am registered with the FSA for mortgage advise. Call 1-877-669-6877 for insurance help. Having a judgment or a lien can make it challenging to sell a home, refinance an existing mortgage, or buy a new house. The rules about when a creditor can apply for a charging order changed from 1 October 2012. Some reasons I can see why you might have failed scoring: 1. Defaults are also allowed but the total amounts must not exceed £5,000. 2. We use information collected by Bankrate, which is owned by the same parent company as CNET, to track daily mortgage rate. BestUKMortgage - Your Best UK Mortgage resource. Simply put, a legal charge on property is a document that converts your unsecured loan into a secured one. 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. Here are some tips for getting a mortgage with a CCJ: Make sure you have a good credit score. You could lose your home if you do not keep up payments on your mortgage. For any debt-related queries you’d like to discuss with us, please don’t hesitate to get in touch. That’s more cases, and potentially more business. However getting a mortgage with a satisfied CCJ is not impossible and there are numerous other factors which will also affect your mortgage availability. 85% of market value. This time frame gives you essentially a minute and a. You can apply for a Nationwide mortgage online and over the phone. Besides the general eligibility and affordability criteria set by mortgage lenders, CCJs come with specific conditions: Date of the CCJ: The recency of the CCJ is a critical factor. There must be evidence of at least one month's worth of savings built up in the account. A county court judgment (CCJ) can negatively affect your ability to get credit for up to six years. Mortgage applications should meet the following high-level criteria as a minimum. Hi All Last year & in order to avoid court action being started against me by Nationwide BS, by their agents Shoosmiths, (I was advised on Get Out of Debt FreeUse our mortgage calculator to get a rough idea of what you could borrow - in just minutes. But it was a struggle to get a mortgage at that time with these CCJ's and a 10% deposit. Income & Budgeting. But Nationwide has since relaxed its rules. 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. For our Track Record mortgage the minimum age is 21 at the time of application. There are several other factors to consider when deciding if refinancing your home. We aim to bring you the most powerful mortgage best buy table possible, including all deals available to brokers and crucially direct-only deals too. Pub, Restaurant Tip: Enter a postcode for a better match. Most likely you will be looking at higher interest rates with a specialist lender. Mortgage with ccj . In fact, with our explicitly selected specialist lenders ready to help combined with our expert. If we can do this successfully, we won't request to see any proofs. Niche. 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. You can use our calculator if you’re: a first time buyer. Simply call us on 0121 4000 052 to discuss your circumstances and how we can help. Find out if a CCJ has been made against you. Having bad credit could, therefore, be a reason why your Nationwide mortgage application is declined. Mortgage is Portable, Mortgage is Flexible, Under payments allowed. We handle nationwide collections, legal services and enforcement. 99% Min. Nationwide Deposit Unlock mortgage. Symbol; M: the total monthly mortgage payment: P: the principal loan amount: r: your monthly interest rate Lenders provide you an annual rate so you’ll need to divide that figure by 12 (the. CCJs lower your credit rating and harm your ability to be approved for loans and mortgages. More about extending your term. Furthermore, the mortgage professionals help clients apply for fixed-rate loans which come in 10-, 15-, 20-, 25-, and 30-year terms. The credit card co. Halifax apparently either didn't check Call Credit OR didn't mind the presence of the satisfied CCJ. Contrary to the above advice I was told that Nationwide conduct a hard search at DIP stage. They must have. Buy to Let Mortgages with CCJ. CCJs are court order that exists in England, Wales, and Northern Ireland. Get support. A CCJ will drop off your file after 6 years but it is extremely unlikely you can avoid paying it. Nationwide offers the loan with repayment terms between 1 and 7 years, and applicants can apply to borrow from £1,000 to £25,000. Forum. After the 6years are up - probably nothing happens. You must respond to the. If the CCJ is within 2 years then the specialist mortgage lenders who may accept this and offer you a mortgage will expect the size of the CCJ to be around £2500 or less and the Loan to value they will likely offer will be 85% or less. If the CCJ is from Nov 2012 it will come off in Nov 2018. Date of birth. The larger your deposit, the more likely it is that specialist lenders are likely to be more flexible on how long you’ve. Find a mortgage expert in your region. Learn the next steps to take and understand how to navigate this situation. Hi I have a charging order from Nationwide from a credit card. Be prepared to explain the CCJ to the lender. This means we’ve agreed to work closely with the government to give mortgage customers the right support. Our Integrated Solutions. Welcome to Principality Intermediaries. Having a CCJ associated with your name can put a negative impact on your credit file which could reduce your chances of obtaining a. Solicitor information. Borrowers must. A CCJ will severely impact your credit score and credit history. You try to make a payment plan with a creditor. Loo44 Forumite ForumiteNatwest mortgage with CCJ. 99% – 35. Regular savers earn 6% interest (HSBC, First Direct, M&S) Loans cost 2. Nationwide offers fixed rate and tracker rate mortgages to first-time buyers, home movers and homebuyers looking to remortgage. Travel. Get expert mortgage advice from our team of specialist brokers and advisors at Create Finance. Case in point, borrowers with a debt management plan are usually rejected outright after the underwriters' hard credit check. This will harm your credit score even further. George and Katie went above and beyond. A debt management plan. To find out what mortgage you can get with a CCJ contact us today for a free initial consultation. Landmark have made no comment. Having a CCJ recorded on your credit report could affect your ability to get credit in the future, including your ability to find a mortgage. A Notice of Correction is a short statement which you can use to add further information to an entry on your credit report. Struggling to get a mortgage with a ccj it's under 2k and from Jun 2014 so it should fall off soon. Added Mortgage Fees - £0. Choose an expert. We’ve given our full backing to the government’s Mortgage Charter. The Nationwide Member Personal Loan charges 6. Getting a mortgage will often depend on the circumstances of a CCJ. Having bad credit could, therefore, be a reason why your Nationwide mortgage application is declined. If you can’t repay you can ask the court to change the regular payments or suspend the order. 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. Hollingworth says there is little choice in 95% loan-to-value mortgages: Skipton building society is lending at 5. The date it was satisfied is also important; CCJs that were satisfied over six years ago are removed from. 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. Over the phone. This is because lenders may be concerned that your past failure to meet your debt commitments indicates that you are a poor risk for future credit. Some lenders may take a view when a CCJ is under £300 or in respect of a mobile phone contract. I need some advice, I recevied a CCJ in 2009 (due to my father not paying rent which i wasnt made aware of until it was too late) which I didnt pay off untill Jan 2012 (due only to be a silly young naive student!!), the payments where a minimum for a few years due to not earning alot at university, but I didnt managed to pay a lump sum off to finalise this. A county court judgment is a court order issued against a borrower who cannot repay their debts. Make multiple mortgage applications in a short amount of time. Our approval by the United States Department of Veteran Affairs provides us the honor. However, as the buy to let property market continues to develop, more and more lenders are beginning to consider approving investors with CCJs; this. I would settle the ccj. There is no limit to the value of the county court judgements so, as an example, if an applicant has a CCJ for £100,000 that remains unpaid, that case may still be accepted. Nationwide does offer mortgages to people with certain types of bad credit, such as county court judgements (CCJs), but others are a deal-breaker. Mortgages & Homes. The issue date of a CCJ, the number of CCJs you have, the amount you owe, and your income. Whether you will be approved or not will come down to how long ago it was issued, whether it’s been settled, the debt amount and a few other factors. The lender will assume that you have to pay £600 per month for your credit card debt, and factor this into how much you can afford to pay on your mortgage. For example, you could use it to explain why you fell behind with the repayments on a particular loan or credit agreement. My partner had a default for £900 in 2011, settled in 2103 and we complete on our house purchase this week. Nationwide does offer mortgages to people with certain types of bad credit, such as county court judgements (CCJs), but others are a deal-breaker. Sub-categories: Water bills LPG, heating oil, solid & other fuels. This was last August and things have obviously changed now but fingers crossed for you! Yes, it is possible to get a mortgage with a CCJ, but it can be more difficult than with a pristine credit report. 22 February 2016 at 10:32AM. Students. There are several other factors to consider when deciding if refinancing your home. (Also, the ccj will drop. You currently owe £20,000 on your credit card. Finding a buy to let mortgage can be difficult at the best of times, and the process is made no easier if you have adverse credit or a CCJ registered against you. A CCJ in the last 12 months should be no more than £1,000. 2) the SAP rating must be listed on the government register within 2 weeks of completion of your mortgage. Inflation remained at 6. I have a CCJ for £297 registered three years ago which I satisfied 2 years ago. "I really struggled to get a mortgage as I had a CCJ and buying a 145k house on my own. Whether you’re a first time buyer or looking for a better deal, we can help you find a mortgage that’s right for you. An older CCJ may have less impact than a recent one, but with expert guidance, even recent CCJs can be managed. 10/1 ARM refinance. BestUKMortgage - Your Best UK Mortgage resource. A default ( especially a mortgage default) A bankruptcy. However, you might have to pay higher interest rates than normal. You are denied credit. Maximum of 4 rental properties can be mortgaged with The Society, whether Buy-to-Let, Holiday Let, HMO, or a combination (maximum £2m value) Minimum income requirement: Single applicant £40,000. ” Amount owed: a lower amount owed on the CCJ is more desirable. Arrowsmith had earlier disputed a parking. It specializes in offering home purchase loans, private portfolio loans, bank statement loans, and mortgage refinancing for homeowners and homebuyers. Mortgage Help. Getting a remortgage offer from Nationwide takes 10 working days from application submission to mortgage offer. It’s a case of finding the right specialist. There can only be one default payment and the amount cannot exceed £150. Mortgages. Nationwide, will only look at arrears that are a minimum of 6 months ago, however, you can’t have had more than 3 months of arrears in total. Forum Rules | Help. 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. If you have a County Court Judgement (CCJ) against your name, you may be wondering if you can still get a mortgage with a CCJ. CCJs are generally taken into account in credit scoring however background details are required. The Judgment may include payment terms, which means the Court have ordered you to pay instalments over a period of time. 00. Refinance. It doesn't automatically stop you getting a mortgage, but it does make it harder to build your case of being financially reliable. This means that if one you is unable to pay your share of the monthly mortgage payment, the other. 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. Please call for free on 0800 2983000 or dial 0333 003 1505 (mobile friendly. Fortunately, we can help you to get hold of the remortgage deal you require. Accountant's Certificate. Whist you might find some high street lenders who will accept. Higher LTV criteria and top tips. 9%. Nationwide offers home insurance, auto insurance, life insurance and more to fit your budget and needs. Most lenders offer different tiers of products when it comes to mortgages with CCJs. Call 1-800-848-6331 for investment/ financial help. Call 24/7. However, Intermediaries should be aware of the additional criteria / guidance in this document. It’s nigh-on impossible to be approved for these with a CCJ. In Scotland, a process is known as “Enforcing a debt by diligence”. uk. Getting a VA Loan After a Judgment. 0800 029 3757 Book Online NowIf the CCJ was registered in the past 2 years and are applying for a mortgage of 85% of the total property value, then the maximum CCJ allowable would be around £2,500. switching your existing deal. More mortgage lenders now than ever will consider applicants with adverse credit history, and your chances of approval are probably much higher than you may assume. 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. Age 35-49: - 37% have a joint bank account for everything. Whether you get your mortgage application approved with a CCJ will depend on a few things. P = the principal amount. A teacher who was denied a mortgage owing to a County Court Judgement (CCJ) could have secured a loan with the right help, brokers have said. Discount mortgages. KPR (Nationwide) issuing CCJ. ¶ 67. Get Your Best Mortgage Deal. I have a 4 year old CCJ for £2700 that I obtained when I moved house and forgot to tell a credit card company. Mortgage calculators. Mortgage Advances. See more below for How the ombudsman can help you. Deals & Shopping. Many of you will have been denied a mortgage in the past due to bad credit. Find out if a CCJ has been made against you. 4 High pressure sales: regulated mortgage contracts, home reversion plans and regulated sale and rent back agreements 2. Mortgages from Nationwide. Income & Budgeting. 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. However, these reviews are based on all elements of the bank's business rather than. Solicitor information. Interest rates are at the highest they've been for many years, so getting the right mortgage can save you £100s each month. Term. County Court Judgements or CCJs can make getting a remortgage a little harder than usual because they appear on your credit record. Depending on your current deal, you can apply to switch at any time without an Early Repayment Charge and keeping the same mortgage account number. If you get a county court judgment ( CCJ) or a high court judgment, it will stay on the Register of Judgments, Orders and Fines for 6 years. 85% of market value. At Nationwide Mortgage, Inc. Remortgaging. Accountant's Certificate. ZIP code. Why use uses? Whatever your situation, at OnlineMortgageAdvisor we know this everyone's circumstances are different. It’s easy to find out if a CCJ has been made against you. Nationwide Mortgage Switch - a comprehensive guide. This will help to improve your credit score. 4 High pressure sales: regulated mortgage contracts, home reversion plans and regulated sale and rent back agreements 2. Nationwide Mortgage Bankers; 3 Huntington Quadrangle, Suite 403N; Melville, NY 11747; Toll Free: 833-700-8884; COPYRIGHT 2023 NMBNOW | ALL RIGHTS RESERVED |. 75% LTV Buy to Let Deal - Call now to secure; Overall cost for comparison 6. I'm very nervous as I'm trying to borrow the maximum I can afford on my salary at 4. £500 a month for Nationwide mortgages set up between 1 February 2001 and 28 May 2013. Finding a buy to let mortgage can be difficult at the best of times, and the process is made no easier if you have adverse credit or a CCJ registered against you. uk. 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. Key Considerations When Getting a Mortgage with a CCJ. Finding a buy to let mortgage can be difficult at the best of times, and the process is made no easier if you have adverse credit or a CCJ registered against you. Explore our comprehensive guide on securing a mortgage with a County Court Judgement (CCJ).