You may be worried that you can't get a mortgage with a Judgement hanging over your head, but we can help you to find a mortgage product to suit you.

Whether you realise it or not, having a Judgement against you for unpaid debt can cause difficulties when it comes to applying for a mortgage. Traditional lenders are unlikely to offer their best products to people they perceive as a risk, which is why it's worth checking your credit record. You can get a mortgage with a Judgement but you will need to speak to a mortgage broker in order to ensure that you get the best deal.

How can I get a mortgage with a Judgement on my history?

Before you apply for a mortgage, check your credit record to see if there are any Judgements against you. Judgments can be issued without your knowledge, for anything from very large unpaid debts, to an unintentional non-payment of a utility bill. Unless you settle the debt within a month, the Judgement will remain on your credit record for six years, which could impact your mortgage application. If you have paid your debt, you can obtain a "Certificate of Satisfaction" which shows the mortgage lender that you have cleared the debt. Whilst this payment may not allow you access to mainstream mortgage products, you could get a mortgage with a Judgement, cleared or uncleared, on your record.

Simply contact us and we will be able to help you get a mortgage on your property!