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Lenders assess CCJs based on their age, value, and whether they have been satisfied.
We will try to help with a range of County Court Judgements, including those that are recent, unsettled, or older but still affecting your credit profile.
The more time that has passed since the CCJ was issued, the better your chances of securing a CCJ mortgage in Lincoln.
Having a CCJ in Lincoln doesn’t automatically prevent you from securing a mortgage.
Depending on your financial situation, you may be eligible for a standard residential mortgage, specialist bad credit mortgages, or even buy to let options.
Each lender has different criteria, so exploring the market is key to finding the most suitable mortgage with a CCJ in Lincoln.
We specialise in helping those with a CCJ find the right mortgage options in Lincoln.
By assessing your credit history, deposit size, and financial position, we match you with lenders who consider CCJ applicants.
Our expertise ensures you explore every opportunity, increasing your chances of securing a mortgage that suits your needs.
A County Court Judgement (CCJ) in Lincoln is a legal ruling issued against someone who has failed to repay a debt.
It remains on your credit file for six years, affecting your ability to secure credit, including a CCJ mortgage in Lincoln.
Some lenders are willing to offer mortgages depending on the CCJ’s age, value, and whether it has been satisfied.
A CCJ can only be removed from your credit file in Lincoln if it was paid in full within 30 days of being issued.
If not, it will stay on your record for six years. However, even with a CCJ, there are lenders who may consider offering a mortgage with a CCJ in Lincoln, especially if you have a strong financial profile.
Having an unsatisfied CCJ in Lincoln can make securing a mortgage more challenging, but it’s not impossible.
Some lenders require it to be settled before approving a CCJ mortgage in Lincoln, while others will consider applications with outstanding CCJs, particularly if they are over a year old and you have a larger deposit.
A mortgage advisor in Lincoln can help you navigate your options and find a lender suited to your circumstances.
Each lender has different criteria, but having multiple CCJs can limit your mortgage options.
The fewer CCJs you have, the more choices you’ll have for a mortgage with a CCJ in Lincoln.
Some specialist lenders are willing to consider multiple CCJs, especially if they are older or low in value.
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Excellent service, always available when required and made the process hassle free.
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All of the members of the team I spoke to including Jason and Stacey were fantastic. They answered all my questions and provide support where needed. I would definitely recommend
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We reached out to just see where we stood in regards to our borrowing limit and we’ve come out the other end with a mortgage offer and we are going down the route of getting out own home! This never would have been possible without the help of...
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Charlie has been nothing but helpful, answers all questions thrown at him, takes the time to explain what everything means which has been hugely helpful as a first time buyer! It’s been a really quick and smooth process from the rest of the team...
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Hope
Matt & Paula have been so great and efficient in supporting us as first time buyers. Not once did we feel overwhelmed during the process which is great given that we came into this not knowing what to expect. Everything has been quick and efficient,...
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Thomas
Matt was incredibly honest and helpful throughout the process even though he was aware I was speaking to a variety of advisors at my point of contact. His knowledge, responsiveness, and willingness to discuss options available to me, made him the...
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Hannah
Matt and Stacey were really helpful in sorting our remortgage out. Matt was quick to get back to us when we had questions and Stacey was always on hand as support
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Alexander
Dinah has always been available and communicated any changes or good advice we needed. We really appreciate your support
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Charlie Bryson has been fantastic, supporting me as a first-time buyer from getting an agreement in principle to viewing houses and then through to a mortgage offer in just two weeks! It was a pleasant surprise to find a broker who could explain...
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My mortgage broker was Leo! He’s always been amazing and Iv been dipping in and out for a few years. He really helped me and found the best deals and explain everything I didn’t understand. He was always there on hand and if he had any...
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Book a free appointment with our expert mortgage advisors to discuss your options for a CCJ mortgage in Lincoln and find the best route forward.
We search through a wide range of lenders, including specialists, to find the most suitable mortgage with a CCJ in Lincoln, tailored to your circumstances.
Once you’ve chosen the right deal, we’ll handle the full application process, ensuring everything is submitted correctly to improve your chances of approval.
When your mortgage is approved, we’ll support you through the final steps, helping you secure your mortgage and move forward with confidence.
We offer a free initial consultation to discuss your options for a CCJ mortgage in Lincoln, giving you expert guidance with no obligation.
We have access to thousands of mortgage products, including specialist lenders who consider applicants looking for a mortgage with a CCJ in Lincoln.
Our experienced mortgage advisors provide personalised support, guiding you through the process with clear, professional, and friendly advice.
We’re available seven days a week, offering flexible appointment times, including evenings, to fit around your schedule.
Most lenders require a larger deposit when applying for a CCJ mortgage in Lincoln, typically around 10-25%, depending on how recent the CCJ is.
A higher deposit reduces lender risk and improves your chances of approval.
No, many high-street lenders have strict credit criteria, making it harder to secure a mortgage with a CCJ in Lincoln.
However, specialist lenders assess applications on a case-by-case basis, considering factors like income, deposit size and the CCJ’s age.
Speaking to an expert for mortgage advice in Lincoln can help you find the most suitable lender for your situation.
Yes, a CCJ can impact the interest rate offered by lenders. Since a CCJ mortgage in Lincoln is seen as higher risk, lenders may charge a slightly higher rate.
However, working with a mortgage broker in Lincoln like us can help you find the most competitive deal available.
Some lenders will consider applicants for a mortgage with a CCJ in Lincoln immediately, while others may require the CCJ to be at least 12-24 months old.
The longer ago it was registered, the more lenders you’ll have access to, especially if it has been satisfied.
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Lincolnmoneyman.com & Lincolnmoneyman 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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
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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Lincolnmoneyman.com & Lincolnmoneyman 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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
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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