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When looking for a mortgage with a CCJ in Sheffield, various CCJ statuses are considered by lenders.
Whether your CCJ is satisfied, part-satisfied, or still outstanding, lenders may take different approaches. Some also accept set aside or expired CCJs.
A mortgage broker in Sheffield like us can guide you through the complexities of each situation and find the best route for securing your mortgage.
While obtaining a mortgage with a CCJ in Sheffield can be challenging, there are specialist lenders who offer mortgage products designed for those with a less-than-perfect credit history.
These mortgages often come with higher interest rates or stricter terms, but with the help of one of our mortgage advisors in Sheffield, you can explore options like fixed-rate, variable-rate, or interest-only mortgages tailored to your needs.
As a specialist mortgage broker in Sheffield, we’re here to provide tailored mortgage advice in Sheffield for those dealing with CCJs.
Our team understands the hurdles you face and can access a wide range of lenders that are willing to consider applications with CCJs.
We’ll support you from start to finish, ensuring you understand your options and helping you secure a mortgage that suits your financial situation.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Yes, you can still get a mortgage with a CCJ in Sheffield, though it may be more challenging compared to those with clean credit records.
Many lenders specialise in bad credit mortgages in Sheffield, and working with an expert can help you navigate through the various lenders and options available, even if you have a CCJ.
The sooner your CCJ is registered as satisfied or part-satisfied, the better your chances of obtaining a mortgage.
Most lenders prefer that a CCJ is at least 12-24 months old, though some will consider applications sooner.
For tailored mortgage advice in Sheffield, it’s essential to speak with a mortgage advisor like us who can identify lenders that are more flexible.
When applying for a mortgage with a CCJ in Sheffield, you may be required to provide a larger deposit than usual.
Typically, a deposit of 15-25% can increase your chances of approval, as it reduces the lender’s risk.
Your mortgage advisor in Sheffield can help you find out exactly what’s required based on your circumstances.
While your mortgage options might be more limited with a CCJ, it doesn’t mean you won’t find a solution.
A skilled mortgage broker in Sheffield like us can access specialist lenders who are more open to working with applicants with a CCJ.
These lenders may offer a variety of mortgage types, but the interest rates may be slightly higher due to the increased risk.
Yes, remortgaging is possible with a CCJ, but your options may be more restricted.
Some lenders will require you to have satisfied the CCJ, while others may still consider your application even if the CCJ is outstanding.
A mortgage advisor in Sheffield can help you explore the best remortgaging options tailored to your circumstances.
Paying off your CCJ will certainly improve your chances of securing a mortgage. Lenders view satisfied CCJs more favourably than outstanding ones.
Working with a mortgage broker in Sheffield like us can help you present your case to lenders in the most suitable light, maximising your chances of approval.
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This was a fantastic service that helped with what ended up being quite a complicated mortgage. The communication and support provided throughout was first class, I’ll use them again without question. Thank you.
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My journey getting a mortgage with Moneyman was amazing. Starting with Dinah how she was listening to me and understanding im new to everything ending to advice me what to use to request mortgage. Then reaching to the best ever Stacey Moss and how...
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Malcolm and his team have been great from start to finish. We’ve had weekend appointments and updates after the usual working hours which has been really appreciated and helped make the process of finding and securing a mortgage offer a lot less...
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Very helpful and they are with you every step of the way. Always there to answer any questions, which I had a few due to being a first time buyer. Amazing!
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such a good complanythay is next to none. Staff are good as gold with a high level of professionalism. It will be worth mentioning that Jason Loft and LIzzi Roscoe worked so hard to help me achieve my dream of getting on to the property ladder....
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The service we received from both Jason and Stacey has been excellent. We had quite long and stressful process from when we applied for our mortgage to getting our offer. In that time, both worked hard to get the application progressing as it should...
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Marta
I had the pleasure of working with Jason from Sheffield Money Man, and I couldn't be more impressed with the experience. From the very beginning, Jason was incredibly professional, knowledgeable, and patient. They took the time to explain every step...
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very knowledgeable, everything explained very clearly. something that sempt complicated to me was made very simple and straight forward.
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Great service from start to finish always at hand if needed and quick response Thanks guys
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Craig
This company has been absolutely fantastic to work with. I was let down by my own bank when needing a mortgage. Sheffieldmoneyman helped me get a an excellent mortgage deal with cash back! My fixed rate mortgage is due to finish and they have been...
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Benjamin
Fantastic team, we have brokered our original mortgage through them and our remortgage. Both times the team were eager to help and ensure we got the best deal for us. Special shout out to Daniel who just did out remortgage and was very...
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Kieran
Massive help. Charlie went above and beyond. Would highly recommend
9 months ago
Darren
Would definitely recommend Sheffield Moneyman. Took all the stress out of getting the right mortgage. Will use again when my fixed rate ends.
10 months ago
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This is the 3rd time I've used Sheffield Moneyman & I've not been disappointed.
11 months ago
Anonymous
I have been with them for almost 10 years now, with both my residential property and a buy-to-let, and they are really great. I have mortgaged and remortgaged many times to reflect changes in the properties, their value or to take advantage of...
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Sean
leo & stacey have been amazing helped us get a mortgage and put any worries or stress to ease highly recommend
11 months ago
Book a free initial mortgage appointment online to discuss your options for securing a mortgage with a CCJ in Sheffield.
Our experienced mortgage advisors in Sheffield will take the time to understand your credit history and offer tailored solutions to improve your chances of approval.
We have access to 1000s of mortgage products, including specialist deals designed for applicants with bad credit or a CCJ.
As a trusted mortgage broker in Sheffield, we can help you find the right lender willing to consider your circumstances.
Our team will guide you through the mortgage application process, ensuring everything is prepared for applying with a CCJ on your record.
We work with lenders who understand complex credit situations, helping you secure the most suitable deal.
From application to completion, we support you through every step of securing a mortgage with a CCJ in Sheffield.
Our mortgage broker in Sheffield will handle the paperwork and liaise with all parties to make sure your mortgage completes smoothly.
We offer a free initial mortgage appointment in Sheffield, providing expert advice on securing a mortgage with a CCJ.
Our friendly mortgage advisors in Sheffield will help you explore your options and guide you through the process.
With access to 1000s of mortgage products, we specialise in finding solutions for clients with bad credit or CCJs.
As a leading mortgage broker in Sheffield, we can connect you to lenders willing to consider applicants with complex credit histories.
Our dedicated mortgage advisors in Sheffield provide a personalised service, ensuring your journey towards a CCJ mortgage is smooth and stress-free.
We handle everything from start to finish, focusing on finding the right mortgage for your needs.
We are here for you 7 days a week, offering flexible appointments to fit your schedule.
Whether you’re looking for advice on a mortgage with a CCJ in Sheffield or need help with your application, we’re available when you need us most.
A CCJ can make getting a mortgage more challenging, but it doesn’t mean you won’t be approved.
Lenders will assess factors like how long ago the CCJ was registered and whether it has been satisfied.
By working with a specialist mortgage advisor in Sheffield, you can find lenders who are more understanding of past credit issues.
Yes, it is possible to get a buy to let mortgage with a CCJ in Sheffield, although the lending criteria can be stricter.
Many lenders specialising in buy to let mortgages in Sheffield also offer products for those with adverse credit.
A mortgage broker in Sheffield can help you explore these options and find the right lender.
Having multiple CCJs doesn’t automatically disqualify you from getting a mortgage, but it can make it more difficult.
Specialist lenders are available who may be willing to consider your application, depending on how recent the CCJs are and whether they’ve been satisfied.
Speaking to a mortgage advisor in Sheffield is essential to finding the right lender willing to work with your credit history.
Yes, when applying for a mortgage with a CCJ in Sheffield, you may face higher interest rates.
Lenders see applicants with a CCJ as higher risk, which can lead to less competitive rates.
However, a knowledgeable mortgage broker in Sheffield can help you find the most favourable rates available for your circumstances.
Improving your chances of securing a mortgage with a CCJ in Sheffield involves taking steps to boost your credit score and showing lenders you’re financially responsible.
Paying off any outstanding debts, saving for a larger deposit and speaking to a mortgage advisor in Sheffield can all help you present a stronger application to lenders.
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Sheffieldmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Sheffieldmoneyman 2025.
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Sheffieldmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Sheffieldmoneyman 2025.
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