CCJ Remortgage

Compare CCJ Remortgage Deals

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.

Our CCJ Remortgage service provides quotes and advice from specialist advisers who can provide information, quotes and advice on the wide range of options available to help you choose the best CCJ remortgage deal for your individual needs. Call our independent mortgage team on 0117 332 6063.

Adverse Credit Mortgage 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

Depending on how many CCJs you have and your past credit history, there are a range of competitive remortgage deals available, including:

  • Fixed rate mortgages
  • Tracker mortgages
  • Flexible mortgages

A past CCJ (County Court Judgement) for failing to pay a debt is not necessarily a bar to getting a competitive deal on your remortgage. If you have had CCJ registered against your name, while it will give you a record which will affect your future ability to get credit , a CCJ remortgage deal is still possible as many lenders now take a more flexible approach and offer people with bad credit some competitive deals.

Top 5 Mortgage Deals

Find a selection below of top mortgage deals based on "loan to value" or LTV - so if you have a 25% deposit or 25% equity in your home click on the 75% LTV tab for latest deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.41%

Reverts to 3.75%

2

Years

60%

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

1.59%

Reverts to 3.75%

2

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

2.12%

Reverts to 3.75%

5

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.
Fixed

2.12%

Reverts to 3.75%

5

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.
Fixed

2.64%

Reverts to 3.69%

10

Years

60%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.00% APRC. This is the cost of the mortgage over the full term.

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.

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