This is a judgement made against a debtor in a County Court for non-payment of a debt. If a CCJ is not settled within 30 days of the judgement, it will appear on the credit register for the next six years and could affect your ability to obtain credit, such as a mortgage.

Traditionally, main high street and non conforming lenders have been very stringent with their lending policies, especially where previous adverse credit (CCJs, defaults, arrears, bankruptcies, provable income) is concerned. Over the past few years, some lenders have become more flexible with their approach and will look at these types of circumstance more favourably, dependant on each individual case.

Due to demand, there are an increasing number of lenders that offer mainstream rates as well as the more well known names. Some of these lenders will seek to retain a client at the end of a product period by evaluating payment history. For example, a client that has remortgaged to a product that reflects previous adverse credit could be offered mainstream rates by the same lender.

In the past, lenders have used traditional income multiples. Times have changed and a more flexible approach is now being used. Many lenders now evaluate each client on affordability, therefore enabling higher loans to be issued.

We act as an intermediary to lenders on a client's behalf and will endeavour to better a client's current interest rate wherever possible. Many of our clients that have remortgaged from their current lender have enjoyed lower interest rates and lower monthly payments saving themselves thousands of pounds over the term of the mortgage.

Whatever your circumstances, we like to say yes! Contact us today.