Below are some easy to follow tips to help you
Secret 1 : Have a budget in mind ! Ensure you can afford the payments even if interest rates rise in the future. Maybe fixing the Bedfordshire mortgage with CCJs will be better to help you budget for the future.
Secret 2 : Examine the lockins ! 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. Read the small print to find out about any charges.
Secret 3 : Don't accept the first quote ! Weigh up the benefits of different offers using either a broker or mortgage adviser. Use price and rate comparison sites to see what sort of interest rates are being given for mortgage applications for people with County Court Judgements or (CCJs).
Secret 4 : See if you can improve your credit file Sometimes loan , mortgage, mail order suppliers and telecommunication companies make mistakes on your credit file and register payment that were made on time as being late or missed payments. Credit reference agencies like Equifax or Experian can be used to rectify this problem. If you have the know how and some patience you can also remove CCJ records from your credit file. Detailed step by step instructions can be downloaded for free on our main site.
Secret 5 : Use a Bedfordshire mortgages with CCJs specialist broker or independent mortgage adviser. These professionals normally have access to hundreds of lenders and can usually find something for all circumstances. The opposite of building societies and banks these agencies have access to hundreds of mortgage products and can sometimes offer cheaper rates than going direct to the actual bank lending the money. Now that you have some know how you should apply for a Bedfordshire mortgage with 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. Lots of searches on your credit file can decrease your credit score and thus increase the APR you are offered from a lender. Limit the searches done to 3 or so and you should be fine.
To assist with bad credit mortgages visit CCJs Mortgages UK A site which will assist you if remortgaging can be found here Remortgages With CCJs
Damian is the owner of many finance related websites. Including mortgage, loans and debt advice. For more information visit Mortgages CCJs