Nationwide mortgage with ccj. Mortgages are subject to underwriting and criteria. Nationwide mortgage with ccj

 
<q> Mortgages are subject to underwriting and criteria</q>Nationwide mortgage with ccj  Packaging guides

A rough idea of the property value. Atlanta, GA 30348-5178 Correspondence Address: P. If the CCJ is registered within 30 days, you can contact the claimant and settle the payment. The other thing is how many CCJs you have. High Level Criteria Minimum Maximum Residential mortgage loan amount £2,000,000 Buy to Let mortgage loan amount £1,000,000 Houses in Multiple Occupation (HMO) If you had a mortgage agreed in principle but were then declined after the underwriting process, this might be because there was an issue with your credit file. Additional borrowing. Standard variable rate mortgages. You could lose your home if you do not keep up payments on your mortgage. The company will then use the information to decide whether to lend you money. If you’ve got a CCJ (County Court Judgement) on your. Visit our. Part of the global Pepper Group, Pepper Money is an award-winning UK-based specialist lender who takes a human approach to underwriting. Amber mortgage solutions is a specialist bad credit mortgage broker comparing mortgages from the whole of market to find the best mortgage deal for you. Most mortgages require you to put down at least a 5% deposit. What type of credit does Nationwide offer? • Overdrafts (which are repayable on demand) • Credit cards • Personal loans • Mortgages (main loans and additional borrowing) Credit cards and personal loans are just for members – you’re a member if you have a current account, mortgage or savings account with us. First your creditor has to get an 'interim order' and then a 'final order'. I have a CCJ for £297 registered three years ago which I satisfied 2 years ago. Fees and. As a result, getting a mortgage with a satisfied CCJ on your file has become a little more difficult. is an unsecured creditor (the debt is not secured against your home unlike a secured mortgage). 70%; Representative Example: Mortgage of £120,000 on property valued at £200,000 over term of 25 years. The credit card co. The Benefits of a Nationwide Mortgage Switch. 7. Settle or Reach a Repayment Agreement with the Lender or through the Court. Simply call us on 0121 4000 052 to discuss your circumstances and how we can help. Getting a mortgage with a satisfied CCJ is possible. HSBC will consider applicants who have previously been declared bankrupt, provided they have been discharged for more than three years. This fact sheet tells you how a creditor can apply for a charging order against your home or any other property you have a part share in. As you’re a first-time buyer, mortgage defaults won’t be an issue. Call today on 0845 450 9661 and let our expert mortgage advisors help you find the best remortgage deals for CCJs. But before you press ahead, it’s advisable to speak to a broker first. I am a FTB using HTB and I started a new job 3 months ago. Nationwide loan rates at a glance. Mortgages & Homes. I am currently in the process of trying to set aside a CCJ issued to me but it was fraudulent, the problem I am having is I am trying to buy a second property, the ccj has been issued in less than 6 months, I am struggling to find a lender that will touch me with the ccj being so new and without removal (which is taking forever) I am at a loose end. Joint mortgage applications. We are your trusted advisors, guiding you on your unique homeownership path. Compare pay for popular roles and read about the team’s work-life balance. Kensington Mortgages. This means that if one you is unable to pay your share of the monthly mortgage payment, the other. If under £100, we can sometimes consider these, subject to passing our internal credit score. An Individual voluntary arrangement. A home repossession. With specialist CCJ mortgage advice and help from the CCJ mortgage specialists here at Simply Adverse, you can improve your chances of being accepted for a mortgage with bad credit and CCJ problems. Paying off any CCJs as soon as you can and. Sign in to your personal or business account here. For any debt-related queries you’d like to discuss with us, please don’t hesitate to get in touch. Skipton will accept CCJ's as follows: "County/High Court Judgements (CCJ) Maximum of 1 CCJ / max total value £500 - where latest CCJ registered within last 3 years. You may get a county court judgment ( CCJ) or high court judgment if someone takes court action against you (saying you owe them money) and you do not respond. Nationwide does offer mortgages to people with certain types of bad credit, such as county court judgements (CCJs), but others are a deal-breaker. moving home. Barclays mortgage with a CCJ. However, this is just an average and it will really depend on your unique situation and what you are working to achieve. Plus, the more time that has passed since you received your CCJ, the better. Step 1 of 2. While it will be more difficult, there are a number of mortgage lenders in the UK that will consider borrowers with CCJs. George and Katie went above and beyond. Valuation criteria. As mortgage brokers assess each individual and their current circumstances, they use new criteria. 24 October 2014 at 9:35AM. In this guide, we’ll explore what a CCJ is, how long it stays on your credit file, and what you need to know about approaching mortgage. Offset mortgages. Acceptable proof of name for non-EEA Foreign Nationals. I need some advice, I recevied a CCJ in 2009 (due to my father not paying rent which i wasnt made aware of until it was too late) which I didnt pay off untill Jan 2012 (due only to be a silly young naive student!!), the payments where a minimum for a few years due to not earning alot at university, but I didnt managed to pay a lump sum off to finalise this. Explore our comprehensive guide on securing a mortgage with a County Court Judgement (CCJ). I had over 50% of the sale price (once the 1 bed was sold). Acceptable proof of name for non-EEA Foreign Nationals. Making a payment is easy with Nationwide. This will help to improve your credit score. Call 888-546-2634 . g. It is perhaps not as vital as the time passed since it was received, but it is important. However, these reviews are based on all elements of the bank's business rather than. More about extending your term. g. Our range of flexible mortgages are designed for all those with complex circumstances; for the entrepreneurs, the creatives, the self-employed and those on commission and bonuses. Of course in theory you could say no on the basis it's not on the record, but that would be a really bad idea as lying on a mortgage application is fraud and the bank/building society will show. So, if your. It’s certainly possible to get a mortgage with a CCJ. As an example Nationwide are really strict - they ask "Have you ever had a CCJ against you", so even trying to get round the 6 year limitation period. Some reasons I can see why you might have failed scoring: 1. After the 6years are up - probably nothing happens. A County Court Judgment, or more commonly known as a CCJ, is a court order in the UK that will be issued to you if you fail to pay back any money that you owe. On Google Play. When it comes to the deposit side of things, you’ll typically need to have around 15 to 20% of the total purchase price. You can:I was happy to stay with Nationwide - my mortgage provider - and I fully expected an agreement in principle on a larger mortgage. Get support. Brean Horne. 70%; Representative Example: Mortgage of £120,000 on property valued at £200,000 over term of 25 years. Green Home Mortgages New Build Mortgages. Having multiple CCJs can also make it harder to get a mortgage. O. is an unsecured creditor (the debt is not secured against your home unlike a secured mortgage). For example, for a CCJ less than two years old, it’s likely to be more difficult to secure a mortgage if the CCJ was £2,500 or more. We’ve given our full backing to the government’s Mortgage Charter. So, getting a mortgage with a CCJ is certainly possible, it just might take you a bit longer to get there. 5 Reliance on othersSee how your total borrowings on mortgages, personal loans, credit cards and other accounts have changed over the last 6 years, and keep a track of the overall position currently being reported by organisations on your Credit Report. We use information collected by Bankrate, which is owned by the same parent company as CNET, to track daily mortgage rate. And there could be further action taken to collect the debt. If you have a CCJ then you may still be able to get the mortgage that you need. Nationwide will become the latest lender to raise mortgage rates again, with increases of up to 0. If you have a bad credit history that includes one or more CCJs it can be difficult to secure a mortgage. 2) At the hearing you will either. We don't place you into a loan profile formula. My agreement in principle was declined, with HSBC, looking into my credit file, I have a CCJ from 2012, which is now satisfied, but not showing as satisfied on my credit report. On average, 10% of mortgage applications are declined each year - so rest assured you’re not alone!With Nationwide, the whole remortgage process typically takes around 10 weeks on average. Packaging guides. Struggling to get a mortgage with a ccj it's under 2k and from Jun 2014 so it should fall off soon. Its team offers a wide range of lending options, from FHA and VA to adjustable-rate loans. George and Katie went above and beyond. A home repossession. Nationwide’s gross mortgage lending falls by over third YOY to £12. It doesn't automatically stop you getting a mortgage, but it does make it harder to build your case of being financially reliable. Simply put, a legal charge on property is a document that converts your unsecured loan into a secured one. Buy To Let . Pub, Restaurant Tip: Enter a postcode for a better match. Finding a buy to let mortgage can be difficult at the best of times, and the process is made no easier if you have adverse credit or a CCJ registered against you. Part of the global Pepper Group, Pepper Money is an award-winning UK-based specialist lender who takes a human approach to underwriting. Whist you might find some high street lenders who will accept. Extend your mortgage term to lower your payments. You don't need to borrow immediately and a credit file with no other occurrences will show it was a one off and can be put down to ignorance. For example, if the CCJ was issued five years ago that will impact the lender’s decision less than one served two weeks ago. Nationwide Building Society can potentially consider applicants who had CCJs registered more than 12 months ago, but not if they have a current debt management plan in place. 7100 Euclid Avenue Suite 250, Cleveland, OH 44103. two years or more) it would generally be ignored, paid or not. Notes. A Notice of Correction is a short statement which you can use to add further information to an entry on your credit report. If the transaction is a gift, the UK gifts criteria will be followed. After they get the CCJ, your creditor must apply to the court again to get a charging order. There must be evidence of at least one month's worth of savings built up in the account. 2. Firstly, we will establish what a County Court Judgement is. To set up electronic payments for any future refunds: Log in to your Nationwide online account. Failing to repay money after a CCJ has been registered against you can result in further action being taken, including bailiff action. A CCJ will remain on your credit file for a period of six years, and during this time your credit. Hello guys, up until may this year i was in serious debt with o/s debts of £28K, but my parents kindly gave me the money to pay it back, i am paying them back every month, quite comfortably, anyway without digressing, My hubby and I would like to move, we have no o/s debts apart from the current mortgate, of which we have never missed a. Mortgages & Homes. If you are looking to reduce or restructure your debt, track how your borrowing picture changes. Maximum of 2 CCJ's / max total value £2000 - where latest CCJ registered > 3 years ago. 7. Lenders want to understand if this is a one-off – perhaps you changed address and didn’t get the parking notices. A rough idea of the property value. It’s easy to find out if a CCJ has been made against you. A specialist mortgage broker like those we have at The Mortgage Genie will be able to help you understand your options and find the lender that’s going to provide you with the best deal. 6 stars based on over 4,800 reviews. A teacher who was denied a mortgage owing to a County Court Judgement (CCJ) could have secured a loan with the right help, brokers have said. We did a MIP and it was successful, my worry is further down the line when Nationwide do the hard checks when its time to buy the property and do the mortgage application next year in Feb/March (By then the ccj in question will be 3 years old) will we be. 00. 3. We went through a specialist mortgage broker, which was worth the cost. This fact sheet covers England & Wales . Gain the flexibility of larger loan amounts, non-owner-occupied status, and lower down payments. Monday to Friday, 8am to 6pm. Only pay the interest on your mortgage for 6 months. My partner had a default for £900 in 2011, settled in 2103 and we complete on our house purchase this week. In short, I have a regular ‘Good’ wage 5-10k a month, I have a mortgage with LTV less than 50%, I have a credit card with a limit of £1400 and zero balance, I don’t have an overdraft, I don’t have any loans, or outstanding credit (other than Nationwide’) I’ve lived in the same house for 18years, I’m on the electoral register, I. GameStop Moderna Pfizer Johnson & Johnson AstraZeneca Walgreens Best Buy Novavax SpaceX Tesla. Find a mortgage expert in your region. Explore our comprehensive guide on securing a mortgage with a County Court Judgement (CCJ). In the future, you can apply for a new loan on another property. My partner and I are looking to buy our first home and we checked our credit scores on equifax. "I really struggled to get a mortgage as I had a CCJ and buying a 145k house on my own. Please Register to get the most out of the forum. Borrowers must. 99% with an arrangement fee of £999 for those buying through Deposit Unlock. Your agent will be happy to review the details with you. 070%, according to rates. 35. The most recent ccj issued was in Feb 2020 and is unsatisfied to the value of £190. If you have a County Court Judgement (CCJ) against your name, you may be wondering if you can still get a mortgage with a CCJ. For most first time buyer mortgages, you need a deposit of 5% of the price of the property you want to buy. P = the principal amount. 1A Regulated mortgage contracts: guidance on the meaning of“payment shortfall” 2. Panic. Term. Nationwide offers fixed rate and tracker rate mortgages to first-time buyers, home movers and homebuyers looking to remortgage. It sounds like the CCJ was legitimate and there aren't any grounds for removal, but some lenders may overlook it or lend at a slightly higher interest rate. E. Don’t. In this guide (13 articles) Mortgage types explained. For example, Nationwide launched a 90% LTV mortgage, and stipulated that buyers would need to prove at least 75% of their deposit came from their own savings. Source of deposit criteria. Ready Mortgage Lenders is a Miami-based business that has been in operation since 2013. My partner and I are looking to buy our first home and we checked our credit scores on equifax. borrowing more. Our mortgage broker software offers streamlined, simple, and efficient solutions for mortgage intermediaries, lenders, and business partners. A general guideline for determining whether you should refinance your mortgage is that you should do it only if you can lower your interest rate by at least 2%. Mortgage is Portable, Mortgage is Flexible, Under payments allowed. We can help the first-timers and the re-mortgagers too. Only pay the interest on your mortgage for 6 months. Remember, speaking to them as soon as possible is the best way to turn that rejection into a mortgage approval. 2. Skip to content. Defaults are also allowed but the total amounts must not exceed £5,000. Including car, motorcycle, homeowners, pet, farm, life and commercial insurance. Find out what works well at Nationwide Mortgage Bankers Inc from the people who know best. It’ll be more difficult as you’ll have fewer options available to you, but it’s not impossible. Agribusiness login. 1A Regulated mortgage contracts: guidance on the meaning of“payment shortfall” 2. We got a £90k mortgage with a CCJ. Summary of Holiday Let lending Criteria. Nationwide usually refuses to offer mortages go anyone who doesn’t fit their choices, but other options would still be available. Nationwide does offer mortgages to people with certain types of bad credit, such as county court judgements (CCJs), but others are a deal-breaker. Nationwide offers loans on homes bought through the Deposit Unlock scheme up to £750,000, available through mortgage brokers. For debts which are still outstanding, the financial amount of the CCJ can also have an impact on how the application is viewed. The minimum amount of deposit you can expect to get approved for a mortgage with a CCJ is 10% of the property’s value, but if your CCJ was registered recently or is for a high amount, 25% is more realistic. Our standard minimum age at the start of the term is 18 years old. - 18% have totally separate finances. You could be offered a different rate based on your personal circumstances. Nationwide Deposit Unlock mortgage. However getting a mortgage with a satisfied CCJ is not impossible and there are numerous other factors which will also affect your mortgage availability. However at First Choice Finance we have numerous lenders who understand that in some circumstances a CCJ should not stop you having access to mortgages, with lenders available offering competitive mortgages, remortgages and second mortgages for people with CCJ`s. 95% on a mortgage of €100,000 is €603. 1st Nationwide Mortgage is committed to helping you to make well informed financial decisions. Your deposit or loan amount. These usually range from a low tier, which often requires a minimum deposit of 10%, to a high tier which can require up to 25%. Mortgages from Nationwide. I would settle the ccj. 26 June 2014 at 11:43AM. However, the unsecured loan must be covered under the Consumer Credit Act for a charging order to be issued. And we don't promote 'featured commercial partners'. ZIP code. Ignoring a County Court judgment (CCJ) can cause problems. However, as the buy to let property market continues to develop, more and more lenders are beginning to consider approving investors with CCJs; this. Acceptable income (sources) Acceptable loan purpose. You have just over two weeks to respond. When submitting an application for lending greater than 85%. On exploration, it said that I had a CCJ of £448 from 5. Getting a mortgage with a CCJ (county court judgement) on your credit record is possible with our Near Prime mortgages, as long as it meets our lending criteria. CCJ. Having a mortgage application declined by a mainstream lender like Nationwide can be disheartening, but the good news is this doesn’t have to be the end of the line for your journey to homeownership. CCJs-Will accept applicants after three years. Overview. Mortgages with CCJ. Incidentally, that does not mean if you have larger value CCJs you cannot get a mortgage, but you should expect to have to accept a lower LTV – say 65% to 75%. Choose an expert. For example, if the CCJ was issued five years ago that will impact the lender’s decision less than one served two weeks ago. About Menu Toggle. hi there first post go easy,in need of some advice, recently come out of a 2 year fixed rate mortgage, the rate was low and lender have now put us on there…CCJ - 02/10/2019 £2385 (satisfied 6 months after) Default from HSBC (failed to pay) 2018 Salary £34k before OT Partners income 33k Just got approved for £400,000 mortgage after 2. CCJs lower your credit rating and harm your ability to be approved for loans and mortgages. The CCJ is removed from the public register and your. Self Employed; NHS Mortgages;Our mortgage deals have a ‘Maximum LTV’ - this is the most you would be able to borrow against the purchase price, shown as a percentage. 74. co. it had been paid by Nationwide. Our award-winning service is available online or by phone 7 days a week. 09% with no fee. This will help to improve your credit score. Regulated mortgage contracts include first charge mortgages and secured loans. the answer is yes, it is possible. Arrowsmith had earlier disputed a parking. We’ve signed up to the government’s Mortgage Charter. Many of you will have been denied a mortgage in the past due to bad credit. Here are a last few things to keep in mind: Trying to get a mortgage with a very recent CCJ may be hard, unless you were able to pay it off within 30 days and remove it from your record. However, as the buy to let property market continues to develop, more and more lenders are beginning to consider approving investors with CCJs; this. A recent CCJ can make a mortgage application harder. Monthly repayment £194. How long ago you were issued the CCJ is important, however, the length vs. See more below for How the ombudsman can help you. More about extending your term. Thrugelmir Posts: 89,546 Forumite. It’s a case of finding the right specialist. As the fastest-growing mortgage company in the country, we've built our success on transparency, education, and customer support. new Nationwide mortgage or you have 10 years or less remaining of the original term of this mortgage. McKinnon analyzes his clients' loan files to match them with. There are a few that might accept after 2 years clear, if you have no other adverse debt. Whether you will be approved or not will come down to how long ago it was issued, whether it’s been settled, the debt amount and a few other factors. This means we’ve agreed to work closely with the government to give mortgage customers the right support. Default payments- Will accept applicants after three years. chelseablue Posts: 3,288 Forumite. If you already have a mortgage with us, log in to your account or get help here. Call 1-800-848-6331 for investment/ financial help. even when it’s a high loan-to-value (LTV), should find it a lot easier to source a mortgage. Saturday 8. The Nationwide Member Personal Loan charges 6. The maximum you could receive is 29. Most. Whether you get your mortgage application approved with a CCJ will depend on a few things. You will need different advice if you live in Scotland. The Team; Areas We Serve;Mortgage Best Buys. Nationwide Mutual Insurance Company. Everyone who applies will have to meet our lending criteria, and they’ll be jointly liable for the mortgage payments. Fixed-rate mortgages. e. Property criteria. - 56% have a joint account just for bills. As an example Nationwide are really strict - they ask "Have you ever had a CCJ against you", so even trying to get round the 6 year limitation period. They will look for factors such as if you already owe money to another mortgage lender, the effect your finances could have on the property and how well overall you are able to manage your finances. In the past, people with poor credit and CCJs could secure bad credit mortgage or remortgage. We offer mortgages if you're a first time buyer, moving home, remortgaging and more. Mortgage calculators. Tracker mortgages. Search Now. This guide explains how a CCJ. The credit card co. - 18% have totally separate finances. I have received a AIP from Barclays and my MA has submitted an application yesterday. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. If you can’t repay you can ask the court to change the regular payments or suspend the order. "I really struggled to get a mortgage as I had a CCJ and buying a 145k house on my own. co. If you owe too much, it can affect your loan-to-value ratio. The CCJ will appear on your credit report - this is the information that a credit reference agency provides to the company you want to borrow money from. Can I Get a Mortgage with CCJs – Yes, it is possible. Learn all you need to know about remortgaging with a CCJ. There is a wide variety of mortgage lenders, from big high street banks and building societies to smaller, more niche ones. Your new mortgage refinancing rate is. 6K comments Most recent: Lights on a timer by Netexporter Today at 12:24AM. If you’re considering remortgaging your home but need help finding the right option for you, contact John Charcol. For any debt-related queries you’d like to discuss with us, please don’t hesitate to get in touch. 74. Whatever your background or circumstances, we can help. A joint mortgage is when you apply to borrow money to buy a home with someone else, like your partner, a friend or a relative. A joint mortgage is when you apply to borrow money to buy a home with someone else, like your partner, a friend or a relative. Mortgage calculators. Paying off any CCJs as soon as you can and. 5 years old around £500. Call us. There can only be one default payment and the amount cannot exceed £150. This fact sheet tells you how a creditor can apply for a charging order against your home or any other property you have a part share in. Federal Housing & Administration. October 20, 2023. Learn the next steps to take and understand how to navigate this situation. 10% of your overall loan per year for Nationwide mortgages set up on or after 29 May 2013. The NMLS test has 120 questions, with 115 of those questions being scored. Although getting a mortgage with a CCJ isn't straightforward, it certainly isn't impossible. AIF Mortgage assists the loan purchasing and refinancing needs of home buyers and owners in Hialeah. This fact sheet covers England & Wales . Our mortgage support pages can help with everything you need to manage your Nationwide mortgage, all in one place. sammyj84 Posts: 61 Forumite. How to Get a Mortgage with a CCJ (County Court Judgement)If you are trying to get a mortgage but have a CCJ (County Court Judgement), this video will explain. The more historical the judgement is (i. This means that with the right advice and preparation, a CCJ shouldn’t stop you from getting a mortgage. Interest rates are at the highest they've been for many years, so getting the right mortgage can save you £100s each month. Higher LTV criteria and top tips. Added Mortgage Fees - £0. Better to try after that. remortgaging to Nationwide. This can only happen if the creditor has already got a county court judgment (CCJ) for your debt. A CCJ is issued to an individual who fails to make agreed payments on a debt. We’re committed to supporting intermediaries find the best mortgage solutions for your clients. Up to £1,000,000. You’ll need to be over 55 and own your own home, but you don’t need to have paid off your mortgage completely to do this. Valuation criteria. For most first time buyer mortgages, you need a deposit of 5% of the price of the property you want to buy. Our Integrated Solutions. It has been providing Birmingham and its surrounding areas with mortgage brokerage services that fit any homebuyer's needs. This means that if one you is unable to pay your share of the monthly mortgage payment, the other. Your guides to submitting business. There are instructions in the claims pack, including the N9a form you use to respond. Having multiple CCJs can also make it harder to get a mortgage. Gain insights into the impact of a CCJ on your credit report, options with specialist lenders, and the role of a mortgage broker. If the CCJ is registered more than 30 days. Age 35-49: - 37% have a joint bank account for everything. Inflation remained at 6. If you’re concerned about making future payments, or you’ve already missed one, find out what we can offer you. 04% 2 Year Fixed . Or 5. We encourage consumers visiting this site to continue their home loan. 2 year fixed rate. If it’s very recent, in the last year, lenders would be looking for the figure to be less than £1000. co. The question “can you get a mortgage with a CCJ?” is one of the most frequently asked by our clients and, thankfully, to most of them we can say YES!There ar. IVA and Bankruptcies that have been discharged two years or more can also be accepted. uk. We are your trusted advisors, guiding you on your unique homeownership path. This would typically include letters asking for payment, letters demanding payment and default notices, all of. , we treat each customer as an individual, not a number. You can increase the length of your mortgage so you pay less each month. If you are looking to reduce or restructure your debt, track how your borrowing picture changes. The building society, one of the UK's biggest lenders. 89%. Banks and loan companies. There is no limit to the value of the county court judgements so, as an example, if an applicant has a CCJ for £100,000 that remains unpaid, that case may still be accepted. They’re typically aimed at first-time buyers, but are available to other. i = your monthly interest rate. See moreNationwide 90% Mortgage with 5-year-old CCJ. #ad #mortgage #createfinance Can I get a mortgage with a CCJ on my file? Will a County Court Judgement stop me getting a mortgage? In this video, Gindy and A. 19 March 2016 at 1:52PM in Mortgages & endowments. Welcome To Nationwide Mortgage, Inc. Request a call back or call us on 0330 433 2927 to get in touch. Nationwide Building Society reserves the right to collect from you any. A Notice of Correction is a short statement which you can use to add further information to an entry on your credit report. If you’re searching for a mortgage and are worried about a recent CCJ or. I am registered with the FSA for mortgage advise. That's why we only work with experts brokers who has a. Having bad credit could, therefore, be a reason why your Nationwide mortgage application is declined. You try to make a payment plan with a creditor. Discuss your utility providers, bills, usage and energy-saving tips. We use "common. Speaking at a forum dubbed ‘Public Reasonings on the CCJ’, Leiba made. With those Nationwide deals, a £250,000 mortgage will cost you about £100 more each month if you take the two-year deal, and you will face a £999 product fee when you come to remortgage. uk. Switching your mortgage with Nationwide can offer lower interest rates, varied mortgage terms, and more flexible mortgage products. Acceptable income (sources) Acceptable loan purpose. It is an action your creditors can take in the debt collection process. Nationwide loan rates at a glance. How to Get a Mortgage with a CCJ (County Court Judgement)If you are trying to get a mortgage but have a CCJ (County Court Judgement), this video will explain. Toggle navigation.