Getting a mortgage with a CCJ

[FooFighter99]

Posting here for traffic, sorry...

I have recently come into an inheritance (just under £10k - gobsmacked as wasn't expecting it at all!!) which will finally allow me and DH to get onto the property ladder

Problem being that in 2016 I was issued with a CCJ for a debt I hadn't realised was outstanding (overpaid housing benefit which we contested and thought was sorted but obviously not!) Anyway, I spent 2 years paying off the debt and the CCJ is due to be marked as 'satisfied' imminently but will be on my credit file for another 4ish years!!

What I would like to know is have any of you lovely Mumsnetter's secured a mortgage with a CCJ on your credit file? My credit 'score' is fairly high (438 on Clearscore, 527 on Noddle and 515 on Experian) but the CCJ is a massive red mark against me...

DH also has an utterly shite credit score (200ish) as he missed some payments on a loan/credit card so if we make a joint application we may be turned away on the spot

I have made an appointment with my bank as a starter for 10 but I'm so worried we will be turned away and will have to wait another 4 years to apply for a mortgage (which will allow us to save a shit load more for a deposit)

TIA for any advice anyone can give me

Hi I can thoroughly recommend a mortgage broker in your situation. We had an excellent one I could pass some details along to you for.

I'm afraid you'll have no chance at all with a high street lender, you are a really high risk prospect statistically speaking and very few lenders will consider you.

I'd suggest saving the money and then looking again in 6 years (this is how long it usually takes for adverse credit to drop off your file)

Your DH's credit score will also be a huge problem, even if you apply in your sole name, your names will be linked and his adverse credit history will also affect you.

Sorry its not better news.

Thanks BuggerLumps I'd appreciate that - I have no idea what I'm doing or what to expect or anything

Yeah you need a broker. My husband had a CCJ on his file that actually wasn’t his (it was his fathers- same exact name and same previous address) but despite it not being his we still had to go to court and it took almost a year to be taken off.

Anyway, we paid £500 for a mortgage broker who came recommended after everywhere just shook their head and said “come back when you’ve sorted the CCJ mess up” and he was some kind of magician, I swear- got us a mortgage with a week. If you’re in East London/Essex you’re welcome to his details.

I'm in the north-west but I'm going to have a look for a broker. My BFF recently got a mortgage so she should be able to help me

thanks guys :-)

That's what I feared Manor

I will see what the bank say next week and take it from there

Get a broker. They will find you a mortgage!