Do you need a bad credit bad credit CCJ mortgages? If you have been applying for bad credit CCJ mortgages and getting rejected. Just like insurance companies have a liking to certain types of people and a disliking to other types of customers. The same can be applied to mortgage and remortgage lenders just like banks who do not normally deal with adverse credit people with CCJs or IVas they tend to go for A1 credit scores and safe bets. For those with adverse or poor credit this small guide will give some easy to follow tips to increase your chances of not being rejected and help you get the mortgage you need.

A few tips to assist you are given below :

Helper 1 : Use a bad credit CCJs mortgages specialist broker or independent mortgage adviser. These experts normally have access to nearly every mortgage product on the market and thus can source you the best possible deal. Unlike banks these brokers have access to many financial products.

Helper 2 : Don't accept the first quote ! We suggest you compare rates using the internet before accepting any offer. 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).

Helper 3 : Ensure the mortgage payments are affordable ! Ensure you can afford the payments even if interest rates rise in the future. Perhaps a fixed bad credit CCJs mortgages is better for you.

Helper 4 : Examine the lockins ! Sometimes when taking a mortgage you get a discounted or fixed interest rate that lasts for an agreed length of time. 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.

If you will be filling in applications for a bad credit CCJs mortgages them 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. If many searches exist on your file then mortgage companies will tend to either decline you a mortgage or increase the interest rate offered. 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 CCJs Mortgages UK it specializes in adverse credit history mortgages. A site which will assist you if remortgaging can be found here Re-mortgages

Damian is the owner of many finance related websites. Including mortgage, loans and debt advice. For more information visit CCJ Help[