Cheap self cert CCJs mortgages - The insider secrets

Facts and figures on self cert CCJs mortgages

Below are some easy to follow tips to help you:

Secret 1 : Don't accept the first quote ! Weigh up the benefits of different offers using either a broker or

mortgage adviser. Use price and rate comparison sites to see what sort of interest rates are being given for

mortgage applications for people with County Court Judgements or (CCJs).

Secret 2 : See if you can improve your credit file Sometimes loan , mortgage, mail order suppliers and

telecommunication companies make mistakes on your credit file and register payments that were made on time as

being late or missed payments. Credit reference agencies like Equifax or Experian can be used to rectify this

problem. If you have the know how and some patience you can also remove CCJ records from your credit file.

Detailed ebooks to explain the process can be found at our main website.

Secret 3 : Use a self cert CCJs mortgage specialist broker or independent mortgage adviser. These specialists

have lots of experience at helping similar people to you and because of the large number of lenders they can

access, have the best chance at helping you. Unlike banks these brokers have access to many financial products.

Secret 4 : Make sure you can afford the payments ! Ensure you can afford the payments even if interest rates

rise in the future. Perhaps a fixed self cert CCJs mortgage can be arranged to help you budget.

Secret 5 : Keep a look out for early payment charges ! When you accept a mortgage you enter an agreement with

the provider, this covers how long a special interest rate will be applied for. Be careful as many lenders apply

charges if you pay off within this period or even for a length of time after. Look in the details of the small

print to check what charges may be hidden.

When applying for self cert CCJs mortgages you need to make sure you apply to the kind of lenders that will

accept you. When doing so you should be careful and only apply to the right kind of mortgage lending companies.

Normally lenders will do a credit search on you credit file using a credit reference agency such as Experian or

Equifax. Lots of searches on your credit file can decrease your credit score and thus increase the APR you are

offered from a lender. 3 to 4 searches is normally fine but any more than this can affect your credit score.

The first site to help you is this site Mortgage and County Court

Judgements it specializes in adverse credit history mortgages. A site which will assist you if remortgaging

can be found here Problem Remortgage

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