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Mortgage with a CCJ

The good news is having a county court judgement (ccj) does not necessarily preclude you from obtaining a Mortgage with CCJ   but you will need to know you way around lending criteria. The mortgage underwriters will look at the detail of your ccj in the following ways: Individual and collective size (£) of ccj(s) Number of ccj(s) When it was registered Reason for the ccj When it was satisfied (if it has been satisfied at all) The more extreme the combination the less chance of obtaining a mortgage. How so? Well 5 ccjs totalling £25,000 that were registered two weeks ago because you couldn’t be bothered to adhere to your financial obligations is a lethal cocktail, whereas a £350 ccj registered a few years ago due to a dispute (that can be evidenced) with the provider that was settled straightaway is not so bad. You get my point! From a mortgage perspective the other main factor is how much you are putting into the purchase. The greater the deposit size the more reassured
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Buy to let Mortgages bad credit

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If you are reading this article you have probably tried a Buy to let Lender and been turned down due to bad credit. The good news is mortgage brokers have access to a greater number of bad credit Buy to Let Lenders than the general public and we at Niche have helped many clients get a Buy to let Mortgages bad credit. Buy to let Mortgages bad credit can fall into a number of camps in this article we are going to explore avenues for CCJs and Defaults. I will be writing other articles on missed mortgage payments and will place them on this website. Buy to let Mortgages bad credit Lenders have different tolerances to CCJs and Defaults, and these can be grouped under the following assessment criteria:     Individual and collective size of the bad credit     Number of CCJ(s) or Default(s)     Which company registered the bad credit     When it was registered     Reason for the CCJ(s) or Default(s)     Whether the bad credit has been satisfied
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Mortgage Broker - Niche Advice Limited

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Niche Advice has been set up to target customers who want a personal service. There are no remote call centers or hard-sells. As we are experts in all Mortgage and protection areas we can take a collective overview of your individual needs the solution in a cost effective way. Niche Advice has key strategic alliances with an array of specialist providers that are not available to the general public. This allows access to a wider range of products and services. Niche advice limited is a Mortgage broker and does not lend money directly to clients. Niche advice limited is authorized and regulated by the financial conduct authority. Getting a mortgage is probably going to be the largest commitment you will make so it’s sensible to obtain good mortgage advice? When deciding on a suitable mortgage adviser the first thing you need to establish is their agenda to determine whether they have your interests at heart. For fully independent and good quality mortgage advice, call Nic
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Location: 10 Greycoat Pl, Westminster, London SW1P 1SB, UK
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HMO Mortgage

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Niche Advice is accustomed to helping experienced Landlords or novices into the profitable domain of Houses with Multiple Occupants (HMOs) buy offering a range of HMO Mortgage and Remortgage Products. We can offer generic advice on licencing, tenancy agreements and legal requirements.  HMO Mortgage and Remortgage Products • Licenced or non-licensed HMOs • House conversions into small non self contained units • Tenants from Local authorities • Houses for Student lets with multiple tenancies / Student halls of residence • Studio flats, Bedsits, Self contained flats under one freehold property • HMOs over shops or commercial premises • Trading Limited Company lets / Offshore Company lets / SPV Limited Company lets • First time landlords • Portfolios of any size • Unrelated persons residing in the same property as tenants • Mortgages on properties that have been historically converted without building regulations • Short leases
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Location: United Kingdom
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