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Lenders assess CCJs based on factors such as their age, whether they have been satisfied, and their overall value.
As a mortgage broker in Doncaster, we work with a range of lenders who consider applicants with both settled and unsettled CCJs, whether they are recent or several years old.
By speaking with us, you can better understand how your CCJ affects your mortgage options and what steps to take next.
Even with a CCJ, there are still mortgage options available.
While high-street lenders may be stricter, specialist lenders offer products tailored to those with adverse credit.
Depending on your financial situation, you may be eligible for a standard residential mortgage, a bad credit mortgage, or even a buy to let mortgage.
Our mortgage advisors in Doncaster specialise in helping applicants with CCJs find lenders willing to consider their application.
We will assess your financial position, explore all available options, and guide you through the process to improve your chances of securing a CCJ mortgage in Doncaster.
With access to specialist lenders, we ensure you explore the most suitable deals for your situation.
Yes, some lenders will consider applicants with an unsettled CCJ, though your options may be more limited. The older the CCJ, the better your chances of approval.
As your mortgage broker in Doncaster, we can help identify lenders who are more flexible with their criteria, especially if you have a larger deposit.
Lenders typically prefer CCJs to be at least 12-24 months old, but some will consider applications sooner.
If your CCJ is recent, having a strong financial profile and a larger deposit can improve your chances of securing a CCJ mortgage in Doncaster.
Yes, interest rates for mortgages with a CCJ in Doncaster may be slightly higher due to the perceived risk.
However, specialist lenders offer competitive deals, and over time, as your credit improves, you may have the option to remortgage onto a better rate.
Getting mortgage advice in Doncaster can you help you compare 1000s of specialist deals tailored to your individual situation.
The deposit required will depend on the lender and the details of your CCJ.
Typically, mortgages with a CCJ in Doncaster require a deposit of 10-25%, though some lenders may accept less if other financial factors are strong.
A larger deposit reduces lender risk, increasing your chances of securing a better interest rate.
Yes, some lenders offer buy to let options for those with CCJs, but they often have stricter lending criteria.
A CCJ mortgage in Doncaster for buy to let purposes may require a larger deposit, and the rental income will be closely assessed to ensure affordability.
Having a well-prepared application with proof of stable rental income can help improve your chances.
No, even if a CCJ is fully paid, it remains on your credit file for six years from the date it was issued.
However, satisfying a CCJ can improve your chances of getting a mortgage with a CCJ in Doncaster, as lenders may view settled CCJs more favourably than unsettled ones.
Keeping up with other financial commitments and improving your credit score can also strengthen your application.
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4.99 Rating103 Reviews
Bethany
A very good and quick replying broker. Always gave the best advice and looked for the best offer for us. Would highly recommend.
1 month ago
Bethany
A very helpful broker. We received very quick responses. They always looked for the best rates and very understanding of circumstances and gave us the best advice.
1 month ago
Nicola
Very easy to deal with, answered all my questions and put me at ease. Would highly recommend.
7 months ago
Katrina
Fantastic service. so helpful and friendly would highly recommend to anyone and especially Wayne and Chloe they have been with us every step of the way, thank you so much for helping us with our first mortgage
8 months ago
Thomas
Fantastic, very attentive and helpful throughout the whole process
8 months ago
Thomas
Very helpful
9 months ago
Glenn
Excellent customer service. Matt & Lizzi were great with communication throughout the process. Mortgage achieved as promised.
9 months ago
Valy-Sorinel
The best mortgage advisor
11 months ago
George
Great service from Daniel, we are remortgaging this summer and found the best option with his help.
11 months ago
Harrison
The service provided by Tom was brilliant and he was always available to offer support and advice throughout the process. Me and my partner were first time buyers and it couldn’t have been made any easier due to the service provided by Tom and his...
1 year ago
Beth
We have used Jason twice to sort our mortgage after one house fell through. He has been accommodating around working hours and always responds rapidly. Always has good advice and understands any questions we weren’t quite sure on. I would...
1 year ago
Beth
I would recommend using moneyman, Jason has supported us through getting two mortgages, following one house falling through! It made the process much less stressful and he kept us up to date with everything.
1 year ago
Louis
Very good customer communication
1 year ago
Anne
Very helpful and professional
1 year ago
Hayley
Thorough, prompt and personal service. I can not recommend enough. Chris has been excellent to deal with. I would definitely use again
1 year ago
Umar
Great team, excellent communication and makes the process a lot easier. Definitely recommend using them for the support.
1 year ago
Ben
2nd time using these guys and they deliver every time. Brilliant customer support as always
1 year ago
Dean
Excellent service
1 year ago
Mariola
We used Tom as our mortgage adviser and he was brilliant. Answered all our questions, put us at ease throughout the whole process and even scheduled meetings around our schedule - which was quite busy at the time. The whole team was super helpful...
2 years ago
Samantha
Absolutely fantastic service from Leo and Meghan. Everything was done so quickly after the initial call, and everything was explained clearly. Couldn't have asked for a better service, thank you.
2 years ago
Book a free consultation to discuss your options for a CCJ mortgage in Doncaster.
Our experts will assess your situation and guide you through the next steps.
We will search through thousands of mortgage products, including specialist lenders.
This is to help you find the most suitable mortgage with a CCJ in Doncaster for your circumstances.
Once you've chosen the right deal, we handle the full application process, ensuring all paperwork is completed correctly to maximise your chances of approval.
When your mortgage is approved, we support you through the final steps, working with your lender and solicitor to ensure a smooth and stress-free completion.
We offer a free, no-obligation consultation to explore your options for a CCJ mortgage in Doncaster, giving you expert guidance tailored to your situation.
This allows you to understand your mortgage options before making any commitments.
We work with a wide range of lenders, including those who specialise in mortgages with a CCJ in Doncaster, helping you find the best available deal.
Even if high-street banks have turned you away, we can explore alternative lenders who may be more flexible.
Our experienced mortgage advisors provide clear and friendly guidance, ensuring you understand every step of the process from application to approval.
We take the time to understand your financial background and match you with the right lender for your circumstances.
We’re here when you need us, offering flexible appointments every day, including evenings and weekends, to fit around your schedule.
Whether you need advice during the weekdays or at the weekend, we’re always ready to help.
If you have satisfied your CCJ by paying it off, you may have a better chance of securing a CCJ mortgage in Doncaster.
Lenders view settled CCJs more favourably, especially if they were resolved over a year ago.
A larger deposit and a strong financial track record can further improve your chances of approval.
An unsettled CCJ can make securing a mortgage more challenging, but there are specialist lenders who may still consider your application.
The key factors will be how recent the CCJ is and its value.
Some lenders may require a larger deposit or proof of improved financial management before approving a mortgage with a CCJ in Doncaster.
If you have more than one CCJ, your mortgage options may be limited, but not impossible.
Some lenders specialise in helping applicants with multiple adverse credit marks, provided other financial aspects, such as income stability and deposit size, are strong.
Speaking with an expert can help identify lenders who are willing to consider your situation.
Being on a debt management plan (DMP) doesn’t automatically prevent you from getting a mortgage, though options may be more limited.
Some lenders will consider your application if your DMP has been in place for a while and you’ve maintained regular payments.
Having a higher deposit and a strong repayment history can also improve your chances of securing a mortgage with bad credit in Doncaster.
A recent CCJ can make securing a mortgage more challenging, as many lenders prefer older CCJs that have had time to fall down your credit file.
In some cases, it may be advisable to wait until the CCJ is at least 12-24 months old, as more lenders will consider your application once it has aged.
Lenders assess the age of the CCJ, its value, and whether you’ve maintained good financial habits since it was issued.
If waiting isn’t an option, some specialist lenders may still consider your application, though a larger deposit and higher interest rates may apply.
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Doncastermoneyman.com & Doncastermoneyman 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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Doncastermoneyman.com & Doncastermoneyman 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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