It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
Obtaining a new mortgage can present various obstacles, and having a CCJ in Hull (County Court Judgement) on your credit history can add to the difficulty. A CCJ is an official decree made by a UK court to collect owed money. We have helped many clients in the past securing mortgages with the following CCJ conditions:
Customers with one or more CCJs listed on their credit report frequently inquire about their eligibility for a mortgage. Fortunately, we are often able to provide assistance. Whether it’s for a new home purchase or a remortgage with a CCJ, our mortgage advisors in Hull will have options available.
As a trusted mortgage broker in Hull, we can assist with:
We are here to address all enquiries regarding obtaining a mortgage or remortgage with a CCJ in Hull, book your free mortgage appointment today.
As providers of expert mortgage advice in Hull, our team will guide you through the process and show you what’s possible. We offer assistance for both new mortgages and remortgages. Start your process by scheduling a call with one of our mortgage advisors to discuss your situation.
Having an updated credit report ready for our chat is important as it helps us accurately assess your options. Based on your credit report, your mortgage broker in Hull will identify the most suitable lender for your needs and offer their advice.
Keep in mind, that obtaining a mortgage with a CCJ in Hull is often just a temporary step towards a regular mortgage in the future, as long as you work on improving your credit score and meet the necessary lending criteria.
A County Court Judgement (CCJ) is an official order from the court in England, Wales, and Northern Ireland that may be recorded against you if you do not pay back the money you owe to a creditor. A CCJ can only be sought by a creditor after they have tried every other method to settle their debt with the borrower.
Upon getting a CCJ, there is a limited timeframe for you to clear the debt and remove it from your credit history. You will have a month given by the court to settle the outstanding balance.
If you succeed in doing so, the court will request the registry to delete the CCJ from your credit history. However, if you don’t repay the debt, the CCJ will stay on your credit file for six years as a permanent mark.
Once you’ve paid off your debt, you’ll have a satisfied County Court Judgment (CCJ). Failing to pay the debt will result in having an unsatisfied CCJ.
Typically, the more time that has elapsed since your CCJ was issued, the greater the likelihood of securing a mortgage in Hull, regardless of whether your CCJ is satisfied.
On the other hand, if your CCJ is fairly recent, within the past one or two years and is unsatisfied, it may be much harder to get a mortgage.
The number of CCJs on your credit report can affect your likelihood of obtaining a mortgage. Having one or two CCJs and a sizable down payment of around or over 25% may increase your chances of being approved by a mortgage lender.
However, if you have more than one or two CCJs in Hull, particularly recent ones, you may need a significant deposit to achieve mortgage approval.
In this scenario, it’s highly probable that a mortgage lender will reject your application. Additionally, some mortgage lenders have a limit on the number of CCJs they will accept from applicants. Even with a substantial deposit, if you exceed their limit, you’re unlikely to find success in securing a mortgage.
The CCJ in Hull will remain on your credit report for a total of six years starting from the date it was given, therefore, it would be wise to try and rebuild your credit
Our advice is to reduce the number of new credit applications and consistently meet your current financial obligations. Regularly reviewing your credit file and ensuring all personal information is accurate is also a wise habit to adopt.
Our Customers Love Us
4.98 Rating708 Reviews
Kathleen
Always very helpful and efficient.Helpted me get the best deals everytime.Would highly recommend to all
1 week ago
Katie
I cannot recommend Matt and his colleague, Jo enough for their work and expertise in handling my mortgage. They listen to your requirements and genuinely want to help. The service i received was excellent, efficient and professional all the way...
2 weeks ago
Charlotte
Absolutely amazing, could not recommend them highly enough! Leo and Kerry are a credit to UK Moneyman and have been nothing but kind and helpful. Will be using again and recommend them to everyone I meet!
2 weeks ago
Oladipo
Great team. Charlie also did an amazing job in making sure the process was smooth.
3 weeks ago
Anonymous
Very good company, they assisted all the way from inception to completion of my new home.
1 month ago
Matthew
Have used Moneyman previously and was happy with the service, same again this time very happy with the service again.
1 month ago
Molly
Amazing service from start to finish - 100% recommend!
1 month ago
Gemma
Jo was super efficient and friendly. We got our mortgage locked in within a week of applying. Excellent service, couldn’t recommend the team at Hull Moneyman enough, worth every penny!
1 month ago
Mark
Bank was a pain but they did battle and won
1 month ago
Patrycja
Helpufull and responsive
1 month ago
Chris
Very helpful and honest throughout the whole process. open and prompt communication at all times. would highly recommend
2 months ago
Jake
Fantastic service very quick and efficient, information provided explaining all services clearly, excellent pricing and most of all helped us get on the property ladder !
2 months ago
Michael
Great service very helpful and very good at what they do.
2 months ago
Anonymous
Very helpful throughout and helped us get an improved deal as rates fluctuated.
2 months ago
Hannah
I have used hullmoneyman when I first bought my house and now to remortgage. Daniel has been amazing, always kept me informed and made things nice and easy. Thank you Daniel and the team.
3 months ago
Anonymous
This is the second time we have used Hullmoneyman, again their advice and service has been excellent. The advice is honest and reliable and considered our needs against the current market. I would definitely recommend in the future.
4 months ago
Ryan
My partner and I are extremely happy with our decision to use Hullmoneyman as our mortgage advisor. As FTB's we had a million questions which were always answered without any chasing. From our first meeting to the last Charlie was spot on and...
4 months ago
Samuel
For us who had a difficult situation, it was the best thing we could have done! Opened so many doors and allowed us to gain a mortgage at a great rate! Charlie was amazing and can’t recommend this company enough! Will be using again. Thank you
4 months ago
Cristina
2nd time using Hull Moneyman mortgage brokers, this time for our remortgage. Always responsive, happy to help and keep us up to date with progress. 5*
4 months ago
Samantha
This is our second time using Hullmoneyman, and again the service has been excellent. There is a good balance of updates, without feeling like you are being hounded. The advice we have been given has been honest and reliable given the current...
4 months ago
When you schedule a free mortgage appointment with one of our trusted mortgage advisors in Hull, it is essential for you to disclose details about your income and expenses.
This will enable us to accurately assess your affordability and provide you with the best mortgage options tailored to your specific situation.
While there are situations that might restrict your choices, our commitment is to explore 1000 mortgage options until we discover the most suitable solution for your unique circumstances.
We can also secure an agreement in principle (AIP) for you within 24-hours. This document can serve as support for any purchase offers you decide to put forward.
Once you have had an offer accepted, your mortgage advisor in Hull will go ahead and put in your complete mortgage application along with the necessary proof documents.
Rest assured, we'll handle every step of this process with utmost dedication and professionalism. Your journey towards securing that dream home is well underway!
We don't just stop at securing you the best mortgage deal; we also strive to provide you with comprehensive guidance on insurance policies that can protect you and your loved ones from financial uncertainties.
Our aim is to offer you a holistic approach that covers both mortgage solutions and insurance options, ensuring that your financial well-being is our top priority.
Our mortgage advisors in Hull pride themselves on their honesty and putting your needs first. We provide a free mortgage appointment that can be scheduled online or over the phone.
With a wealth of experience under our belt at Hullmoneyman, we have dealt with a wide range of CCJ mortgage scenarios.
Regardless of the complexity of your circumstances, our team possesses the skills and know-how to assist you.
Our goal is to search through 1000s of mortgage options to try and find you a product that suits your scenario.
Having a CCJ in Hull and getting a mortgage can be difficult, that's why we are here to help. We work for you!
Should you need guidance on getting a mortgage with a CCJ in Hull, you've come to the right place!
Our team is dedicated to assisting you throughout the entire process. Boasting more than two decades of expertise, our mortgage advisors in Hull possess the skills to smoothly guide you along the path of obtaining a mortgage with a CCJ in Hull.
Schedule a free mortgage appointment with us at a time that works for you. Whether it's in the morning, evening or on the weekend, we're here 7 days a week!
Feel free to reach out to us for any mortgage guidance you may need.
If you have a satisfied CCJ in Hull, your chances of getting a mortgage are higher than if you do not satisfy it.
Although, just because you have settled a CCJ, it will not completely disappear from your file. It remains on your file for six years marked as satisfied.
It’s essential to consult with a mortgage broker in Hull before applying for a mortgage with a CCJ.
A part-satisfied CCJ is an instance where you opt to pay off a portion of the debt while leaving some unpaid. Perhaps you have reached a settlement to repay with the credit company. It is probable that you can obtain a mortgage with a part-satisfied CCJ if you have a skilled mortgage broker in Hull by your side.
A CCJ that remains un-satisfied means that your debts are still unpaid and this status will stay on your credit report for a duration of 6 years, causing difficulty – although not impossibility – in obtaining mortgage approval. The mortgage lender you are applying with will inquire about the details of the missed payment, including the reason for non-payment, the company it was owed to, and the amount, as part of their evaluation process.
A CCJ that has been cancelled or set-aside indicates that the CCJ was issued mistakenly or that payment was made within the specified waiting period before the CCJ was issued. Obtaining a mortgage with a set-aside or cancelled CCJ is highly achievable.
Generally, a County Court Judgment (CCJ) remains on your credit report for a period of six years. As such, once this timeframe elapses and assuming you have consistently made timely payments, your credit rating will enhance and the CCJ will cease to appear. Regardless of whether you settle the CCJ, it will be visible on your credit report for the full six years.
Read our 708 Reviews
Hullmoneyman.com & Hullmoneyman 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
Contact
Follow Us
Hullmoneyman.com & Hullmoneyman 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
Speak to an Advisor – It’s Free!
7 Days a Week, 8am – 10pm
