Can I Still Get A Mortgage Even Though I've Had CCJ's?

It is possible to get a mortgage even with CCJS ~ (County Court Claims and County Court Judgements). Companies such as TML mortgages offer competitive rates and cashback deals, even if the customer does have an adverse credit rating or is heavily in debt. Similarly, Crystal Clear Home Loans will switch your mortgage and offer lifetime mortgage management, as well as negotiating a remortgage in spite of poor credit. Adverse Credit Remortgages specialize in dealing with customers under CCJs, Defaults, IVA's, Bankruptcies and Eviction Orders, and will help to place you back onto a good credit score. Mortgage Hut  also do not have any upfront fees or obligation and can give you £250 cash back on joining.

Having a CCJ does not always stop you from getting a mortgage, but you will not have the same choice of lenders as someone with a clean financial record.

Most of the high street banks and building societies are unlikely to lend to someone with CCJ so you will be restricted to lenders who provide a telephone-based or internet-based service. You might also try a broker. Brokers will place you with mortgage lenders who are more likely to lend to someone in your position because they have a widespread knowledge of the market.

It is also worth investigating whether or not your CCJ can be lifted. If it can, wait for a while to make sure that this information has filtered through the financial and credit-referencing agencies, check your credit references to make sure that they are clean, then try applying for a mortgage.