Tip One : Beware of early redemption penalties ! When taking on a mortgage normally you have a fixed term that an interest rate will last for. By moving companies within that time or sometimes even after you can be stung by early redemption charges. Always find out what the penalties are and consider your future requirements.
Tip Two : Don't accept the first quote ! Compare what each company offers you and ensure that these requirements not only fit you now but also will accommodate you in the future. Use online mortgage league tables to see what kind of interest rate are being offer for customers with CCJs.
Tip Three : See if you can improve your credit file finance companies update your credit file incorrectly and put down late payments that where made on time. If you use experian or Equifax to check on this you can remove incorrect data. If you have the know how and some patience you can also remove CCJ records from your credit file. Detailed ebooks to explain the process can be found at our main website.
The next stage will be to apply for a Bournemouth mortgages ands CCJs. Only apply to the right kind of brokers or mortgage adviser though. Normally lenders will do a credit search on you credit file using a credit reference agency such as Experian on 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. Limit the searches done to 3 or so and you should be fine.
The first site to help you is this site it specializes in adverse credit history mortgagesCCJs Mortgages. A site which will assist you if remortgaging can be found here Remortgages With CCJs
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