CCJ Remortgage

Need to remortgage and have a CCJ which is older than 12 months?

Latest Deal - NatWest 2 Year FIXED »

Call FREE - 0800 158 2934 

1.41%Reverts to 3.75% after 2 years
  • 2 Year Fixed - 60% LTV Deal
  • Call FREE - 0800 158 2934


Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

If you have received a County Court Judgment or ‘CCJ’, remortgaging your property may be more challenging particularly if you are looking to consolidate existing debts. High street lenders are increasingly not prepared to offer mortgage terms if you have a CCJ.

Our CCJ remortgage service helps you to get back on track. If you have had a ccj over 12 months ago then our service can help if the reason for going bankrupt was a one off event e.g. divorce, serious illness, redundancy - Please call our mortgage team on 0117 332 6061 (8.30am to 6.30pm Monday to Friday) for more information.

CCJ Remortgage Service
ProviderLTV**CCJsDefaultsBankruptcyIVAMissed Loan Payments* 
Up to 75%None in 12 Months - Maximum 5None in 12 MonthsDischarged 12 Months AgoSatisfactorily Conducted 12 Months AgoNone in 12 MonthsMore Info >

Call 0117 332 6063

Our View:

"Credit repair mortgage service to help you get back to a high street mortgage deal - If you have suffered a one off event such as divorce, redundancy, serious illness which has resulted in a "bad" credit entry on your credit file over 12 months ago this service will help you get back on track".

Representative Example:


A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.


The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).


In this example the overall cost for comparison is 3.7% APRC representative.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

CCJ Remortgage Service

If you wish to consolidate debt by remortgaging you may find it is more challenging to get a deal if you have an existing CCJ. If your CCJ was incurred over 12 months ago our mortgage service may be able to help you, if you have 25% equity in your property and the reason for the CCJ was a one off event e.g. divorce, serious illness, bereavement, redundancy. Call us on 0117 332 6061 for more information on your options or complete our short enquiry form ».

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker