Name: Securing A Competitive High Street Mortgage With A Past Ccj
Rating: 4.94 (154 reviews)

Approved within

for the client

Achieved an

mortgage deal

Satisfied CCJ was

years old

The primary aim was to secure a residential home for the clients’ elderly relatives to live in.
Required an 80% Loan-to-Value mortgage to keep the initial deposit at a manageable £32,500.
Sought a competitive 5-year fixed rate to ensure long-term financial stability for the family.

A 4-year-old satisfied CCJ caused most mainstream lenders to automatically decline the application.
Many banks do not allow high LTV mortgages for “dependent relative” purchases, treating them as complex risks.
The estate agent required a formal mortgage offer swiftly to prevent the property from being relisted.

Our broker identified a specific high street lender with a sympathetic view on historical, satisfied credit issues.
Filtered for providers who specifically accommodate “Family Buy” or “Dependent Relative” residential terms.
Packaged the case with all necessary CCJ documentation upfront to bypass common administrative delays.

Secured full mortgage approval within just 12 working days, satisfying the estate agent’s timeline.
Landed a competitive 5-year fixed deal, proving that past credit issues don’t always mean higher costs.
Enabled the clients to complete the purchase and provide a secure home for their parents.

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