A County Court Judgement (CCJ) is a ruling issued by a County or higher Court which relates to bad debt. This judgement is against an individual, will show up on their credit record and may affect their ability to get a mortgage from most high street lenders.

Generally a default will have been registered if you have failed to maintain your payments on a credit card, loan or bill.

You may have completed your IVA, currently be in an IVA or might be thinking of entering into an IVA, whatever your circumstances, we can help find the solution for you.

Mortgages for self-employed people are often treated differently because lenders have very different ways of assessing your income. Every lender has different criteria for a self-employed mortgage.

If you are a discharged bankrupt / ex-bankrupt the high street or traditional lenders are unlikely to offer you a mortgage or re-mortgage. You will probably need the help of a specialist mortgage broker who understands what you’ve been through and how to get you back on track.

There are many reasons why a mortgage lender or loan provider might have refused your application. Lenders have very different criteria and if you have been refused before you may need an expert mortgage broker to help you.

Many homeowners have problems paying their mortgages and suffer from mortgage arrears. This could be because of the end of a relationship, the loss of a job, or unexpected expenses. If you are having financial problems, you need to act quickly, even if the problems are only temporary.

If you are one of the many thousands of people who have suffered from having your home repossessed you may need our help to get you back on the housing ladder.