Finding a mortgage with a poor credit history is difficult and has to be approached very carefully because of the shortage of lenders available in this market. Having the advice of a qualified Poor Credit Mortgage Broker will greatly enhance your chances. With only a few sub prime lenders to choose from, getting it right first time is very important.

Steven Neale – Specialist Bad Credit Mortgage Broker

Steve and Sue made the whole process very easy and calming. The advice given set me at ease as I thought I wouldn’t be able to get a mortgage due to credit issues of the past. Highly recommend!

Mr Wright
11th Mar 2020

Thanks both for all your help!

Anonymous
14 Feb 2020

Excellent service, always informed me of any information required in a timely manor.

Ms Ross
13 Feb 2020

Steven and Sue were extremely helpful and knowledgeable and their calming influences made us feel at ease throughout the whole process.

Baggott
03 Feb 2020

Very obliging, helpful and provided all the guidance we could have expected.

Millar
23 Jan 2020

Steve provided an excellent service to us and ensured we had the necessary documentation in readiness for our mortgage application. He was very patient in dealing with all our enquiries looking through several scenarios to suit our situation. The process was seamless and very satisfactory.

Ayodele
13 Jan 2020

SN Mortgages understood our position extremely well, even when there was an unexpected potential move rather than the remortgage.

Elliott
28 Nov 2019

Thank you – yet again! We have organised a variety of mortgages over the years with SN Mortgages. The mortgage process is always complex by nature, but Steve and Sue always make the ‘journey’ as seamless as possible. Calm, friendly, helpful.

Webb
28 Nov 2019

S N Mortgages have provided an excellent service. They have been very accommodating to my personal requirements and provided a timely, yet thorough service. They provided multiple product options and talked me through the benefits in each case. Thank you both for your support and patience.

Mr & Mrs Tarring
14 Nov 2019

Thank you Steve & Sue for all your hard work in in securing a mortgage for us to purchase our first home. No query or question was too much trouble, thanks again.

Mr Hockley & Miss Lee
07 Nov 2019

As always, both Steven and Sue were knowledgeable, helpful, informative, quick and a pleasure to deal with.

Clive Saffron
19 Aug 2019

Mortgage with CCJ

Can I get a mortgage with CCJ’s?

I have a fair degree of sympathy when it comes to finding a mortgage with CCJ’s because any one of us could end up having one on our credit file through no fault of our own.

An illness or redundancy suddenly means you are unable to pay the next instalment on a car loan or credit card and a County Court Judgement has been registered on your credit file.

As with any form of adverse, the most important considerations a lender will want to know when looking at the County Court Judgements on your credit file is the date they were registered, the amount and if they have been satisfied.

That is why it is very important to have a copy of your credit file from Check My File as they provide data from three credit reference agencies – Equifax, Experian & Transunion – so it is a good place to start to get an overview of your credit history. It maybe that once I have identified a lender, we get copies of your credit file directly from the agency the lender uses to make absolutely sure your credit history is OK for that particular lender.

Here is the link to Check My File to download a copy

Size matters

If you have County Court Judgements for say £250 and no other adverse on your credit file, you could apply for a mortgage from a High Street lender with a good enough explanation. It would also help if it was cleared and better still, cleared after a month or two from when it was registered. Anymore than one County Court Judgement and you would be looking at specialist lenders.

To give you an insight into lenders criteria, County Court Judgements can broadly be divided in three time zones – County Court Judgements registered within 1 year, between 1 – 2 years and greater than 2 years.

In 1 year

  • 65% – 3+ County Court Judgements – I have a lender that will allow you to have more than 3 County Court Judgements registered within the last 12 months subject to underwriter approval and a very good reason but the rate and fees charged would be high.
  • 70% – 1 x County Court Judgement that has been satisfied (paid off) within the last 12 months and with a monetary value greater than £5,000 or not satisfied and to a maximum monetary value of £5,000.
  • 75% – no County Court Judgements within the last 6 months.
  • 85% – 1 x County Court Judgement in last 12 months with a maximum monetary value of £1,000.

In 2 years

  • 85% – 1 x County Court Judgements to a maximum monetary value of £2,500 registered between 12 – 24 months.

Over 2 years

  • 85% – All County Court Judgements can be ignored regardless of value, how many and do not have to be satisfied.

If you’re looking for Help to Buy (H2B) Mortgage advice with CCJ’s, I can help. Find out more on Help to Buy Mortgages with CCJ’s.

For more information on how I can help you find a mortgage with CCJ’s, please call me on: 01494 526400 or complete my online enquiry form.

3 REASONS TO ASK ME TO ARRANGE YOUR MORTGAGE

Years of Experience

I specialise in Bad Credit Mortgages for people who have a poor credit history because of any number of reasons.

Choice of Lenders

I am a Whole of Market, Mortgage Broker meaning I can talk to every lender to see about finding you the right mortgage.

Saving You Money

As a specialist Mortgage Broker for over 30 years I have a great deal of experience that will help save you time & money.