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Pat | Anyone know how i can get a first time buyer mortgage?? |
if i have a ccj on my credit record. its been on there since april 2004...and im still paying it back...
but now i need to buy a house....i can afford monthly repayments, but its hard to get a regular mortgage from a bank.... |
 |
 
bulkybren
|
It is possible to get a mortgage, but the rates you are likely to be offered would be much higher than the 'typical' rate you would see on posters and adverts.
The first link below explains a little more. As you have an uncleared CCJ, you fall into the 'sub prime' mortgage market. There are a few specialists who would loan to you. A mortgage broker would find you the best deal for your circumstances, saving you the drudgery of finding a lender and then the possibility of having an application refused (too many searches on your credit file will also reduce your credit rating). Most brokers will charge a fee for their services (either outright or as commission on the sale they receive from the lender).
If you have a good relationship with your bank, you may be lucky - but I would suggest a broker wih a good reputation, such as Charcol. |
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Amanda H
|
Look in the yellow book for a mortgage broker that has an ad for "Challenge credit" or similar. THey should be able to help you-- if it can be done, they'll find it!
But make sure its a good one. If they take a few days and aren't responsive, get a new company. A good mortgage broker knows immediately when he sees your scores if he can do something, and will always have several ideas/venues to explore. If they're wishy washy, go somewhere else. |
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len d
 |
You can use a secondary lender which any mortgage broker will inform you various sources and arrange one for you. Although the interest rates will be slightly higher. Best to check with them on this point.
I would also check with your bank or any other building societies to see their policies on motgages and if they do allow you with one CCJ to obtain a mortgage as since you are paying this off regularly. Best of luck |
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NATALIE W
 |
some banks will touch you,ltsb have a mortgage for people with ccjs it was launched a couple of months ago and most banks building society will help if the ccj is more than 2 years old,they have had to change their policies to stay in line with the rest of the market,make some appointments and see who can offer the best deal or go and see an independent Mort adviser,they can tell you all the mortgage you can get with your credit history income etc(that is easier than going to all different banks etc) |
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Scotty
 |
You will get a much better deal if you look on the net
Good luck |
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beanie
 |
Banks won't touch you until the ccj is cleared. |
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mrspeanut
|
go to a mortage company !! there are millions in the phone book in your area ,they can get you started in what you need! |
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Fred
|
Try the websites below
Website; http://www.themoneycentre.co.uk
http://www.moneysupermarket.com/mortgages/mortgage |
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Valiant
|
I assume you are in the UK.
Your first step would be to go to an independent mortgage advisor. Find one of these in the yellow pages or from a recommendation off family or friends.
Because you have the CCJ most high street lenders will not touch you (including the one I work for) however, most of these companies have secondary companies that specialise in non-conforming lending (or lending that does not fit their mainstream lending criteria).
A lot of these companies will lend to a first time buyer with a CCJ however, you may be required to place a larger deposit (i.e. instead of 5% you may have to put down 15%).
The independent broker will then look through all the available companies until one is found to be suitable to you. The reasons have to be cost effectiveness on your behalf not because he will receive a large commission.
The rate you will pay will be slightly higher (around 0.5% to 1%) than the advertised rates in the shop windows of banks.
You will need to stay with this company until you have paid the CCJ plus 3 years as most companies would want the debt to be settled for this period of time before allowing you to proceed.
After this time you can remortgage to a standard rate from a bank or building society.
Please note you may have to pay for the services of an independent mortgage adviser.
Hope this helps, contact me if you have any queries. |
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ogrendle
 |
Have your agent put you in touch with Rural Development. |
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?Master
|
Try Abbey. |
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Inquisitive125
|
Most states have programs set up for 1st time buyers. Check your state's website or talk with a reputable mortgage company...they may even know of grants that are available through your local government! |
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Penelope Yelsopee
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If you are a first time home buyer, you probably qualify for a mortage called SONYMA. It is government subsidized and you only have to give a five percent down payment. I have attached the link. Good luck. |
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