1bn; Top 10 most read mortgage broker stories this week – 17/11/2023; You are. Arrowsmith had earlier disputed a parking. It’s nigh-on impossible to be approved for these with a CCJ. 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. In the future, you can apply for a new loan on another property. For debts which are still outstanding, the financial amount of the CCJ can also have an impact on how the application is viewed. Both came out as excellent, however my 'score' was significantly lower than my partner's. If the CCJ is within the last 12 months then the specialist mortgage. Your new mortgage refinancing rate is. A CCJ is issued to an individual who fails to make agreed payments on a debt. You can also speak to one of our mortgage experts by calling us at 1-855-755-9533, option 6. One of the areas it specializes in is home refinancing which involves comparing mortgage terms and interest rates. This means that if one you is unable to pay your share of the monthly mortgage payment, the other. The higher the risk you pose to the lender, the higher the deposit required. However, you may be able to vary the judgment later using an. If it’s very recent, in the last year, lenders would be looking for the figure to be less than £1000. KPR (Nationwide) issuing CCJ. Attorney-at-Law and former President of the Jamaican Bar Association (JAMBAR), Emile Leiba, has announced that the association has reaffirmed its commitment to Jamaica’s accession to the Caribbean Court of Justice, CCJ. We do so with efficiency, sensitivity and commitment to the right resolution. 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. Nationwide will entertain a mortgage application from someone who's been bankrupt over three years ago and Skipton someone over four years ago - however, neither will entertain an application from someone who's had a recent CCJ. Use our online tools and mortgage calculators to work out what you can afford to borrow and how much your monthly payments could be with a. Mortgages & Homes. Your Nationwide Mortgage Bankers Loan Officer serves as your experienced guide, providing valuable insights, tools, and information to ensure you’re always one step ahead in your home-buying journey. Best Egg – Best for unsecured personal loans for debt consolidation. Your answer confirms my thoughts, it's just that the CCJ may prevent me going back into financial services work. switching your existing deal. Income and expenditure form and financial statement. Simply Adverse is a nationwide broker that provides a tried, tested, and successful service for connecting adverse credit mortgage lenders and CCJ mortgage lenders with people searching for first and second. FTB_society said:Whether you’re applying for a mortgage or are an existing Nationwide mortgage member – all you need to know, about everything from fees and charges to making changes. I'm very nervous as I'm trying to borrow the maximum I can afford on my salary at 4. There are several other factors to consider when deciding if refinancing your home. Thin credit file-Maybe, this is assessed on a case-by-case basis. For accounts outside of the UK but within the EEA, one full month’s bank statement is required, showing the full. There are caveats though. Only pay the interest on your mortgage for 6 months. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. 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. Registered Office: Floor 3 Haldin House, Old Bank of. NatWest mortgage customer reviews. Illustration Type = ESIS. Most lenders offer different tiers of products when it comes to mortgages with CCJs. We will accept a maximum of four CCJs in the last three years as long as they were issued over 12 months ago and are either satisfied in full or have a total combined unsatisfied value. It becomes more difficult when the CCJ is dated within the two-year time frame, and what the judgement relates to. If the CCJ is from Nov 2012 it will come off in Nov 2018. Your lender likely lists interest rates as an annual figure, so you’ll need to divide by 12, for each month of the year. How long ago you were issued the CCJ is important, however, the length vs. For any debt-related queries you’d like to discuss with us, please don’t hesitate to get in touch. While it will be more difficult, there are a number of mortgage lenders in the UK that will consider borrowers with CCJs. 20 years. CCJs tell a mortgage provider that you may be a riskier investment than someone without one but, if the CCJ. How to find a cheap mortgage. 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. Explore those options here. Whether you get your mortgage application approved with a CCJ will depend on a few things. CCJ mortgages do not automatically accept applications from those with a CCJ. Nationwide offers home insurance, auto insurance, life insurance and more to fit your budget and needs. Updated on November 24, 2023. Its team can assist clients in changing their loans to either FHA, jumbo, fixed-rate, or adjustable-rate mortgages. Plus, the more time that has passed since you received your CCJ, the better. Call 1-877-669-6877 for insurance help. Getting a mortgage with a CCJ is possible, but you’ll need a cautious approach. Source of deposit criteria. Here are some tips for getting a mortgage with a CCJ: Make sure you have a good credit score. We represent a wide range of "A" rated lenders with first quality rates. It’s easy to find out if a CCJ has been made against you. It’s very unlikely you’ll be able to go to a high street bank and be approved for a mortgage. Lenders want to understand if this is a one-off – perhaps you changed address and didn’t get the parking notices. It is still possible to be approved for a mortgage, albeit with less favourable terms. The CCJ will be removed from your credit file. There is a wide variety of mortgage lenders, from big high street banks and building societies to smaller, more niche ones. You can confirm our registration on the FCA's website (opens in a new window) Nationwide is not responsible for the content of external websites. If interest rates increase by 1% an additional €53. Gain insights into the impact of a CCJ on your credit report,. Do you have a CCJ and are struggling to get a mortgage offer? At ams: our expert advisers will help. Remortgaging. Respondent Nationwide Mortgage Group, Inc. A county court judgment (CCJ) can negatively affect your ability to get credit for up to six years. Acceptable income and proofs required. 86. 04% 2 Year Fixed . Find a mortgage expert in your region. FHA loans offer advantages like low down payments as low as 3. All the information needed about the process can be found on Santander’s website. . 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. Find out how The Money Hub can help you today. We encourage consumers visiting this site to continue their home loan. 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. 100 Congress Avenue, Suite 200 Austin , TX , 78701. There are lots of factors to a credit score. We make getting a homeowners insurance quote easy. This means paying your bills on time and keeping your credit utilization low. I have received a AIP from Barclays and my MA has submitted an application yesterday. 1. For interest only, the minimum income criteria is £75,000 for sole applicants or £. A CCJ would not be pursued by a creditor until all other avenues of redress have been exhausted. Therefore, if the CCJ only recently appeared on your credit report, it could be a good idea to wait a year or so before applying for a mortgage. You could be offered a different rate based on your personal circumstances. Nationwide Investment Services Corporation, member FINRA. However, the company can become a secured creditor, by making the appropriate court order: 1) If you are unable to come to an arrangement, the company may issue a CCJ summons. I wouldn't worry too much now. Barclays mortgage with a CCJ. Overdrafts and credit cards are the best way to evidence borrowing and repaying. Robb McKinnon. 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. Equity release is a mortgage product that allows you to access the money tied up in your home in the form of a loan. on a fixed rate mortgage deal with less than 6 months left. There are instructions in the claims pack, including the N9a form you use to 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. uk. We don't place you into a loan profile formula created by the banking industry. We use information collected by Bankrate, which is owned by the same parent company as CNET, to track daily mortgage rate. - 18% have totally separate finances. We’re the largest mortgage provider to offer 95% Loan to Value (LTV) mortgages without using the Government’s mortgage guarantee scheme. Charging orders. We can’t accept any missed mortgage payments in the last three months, or mortgages more than one month in arrears in the last three years. Once I have my credit report updated, i know the CCJ will remain on my file as satisfied, Some banks will still offer. It offers conventional, FHA, VA, and USDA loans for various types of purchases. 19 March 2016 at 1:52PM in Mortgages & endowments. At the time I tried to defend myself on the lack of a genuine CCA but lost as they provided a reproduced CCA. Simply Adverse is a nationwide broker that provides a tried, tested, and successful service for connecting adverse credit mortgage lenders and. How much can I borrow?Subject to underwriting guidelines, review, and approval. A default ( especially a mortgage default) A bankruptcy. even when it’s a high loan-to-value (LTV), should find it a lot easier to source a mortgage. Maximum of 4 rental properties can be mortgaged with The Society, whether Buy-to-Let, Holiday Let, HMO, or a combination (maximum £2m value) Minimum income requirement: Single applicant £40,000. But Nationwide has since relaxed its rules. Having multiple CCJs can also make it harder to get a mortgage. Bad Credit. Joint bank account use by couples (24,046 votes) Under-35s: - 21% have a joint bank account for everything. Getting a mortgage with a CCJ 7 replies FooFighter99. The size of the CCJ and how long ago will affect how much of it a lender will take. This can only happen if the creditor has already got a county court judgment (CCJ) for your debt. They do not have. Age 35-49: - 37% have a joint bank account for everything. A CCJ is sometimes referred to as a County Court Summons, and in Scotland the process is called enforcing. A decision in principle (otherwise known as a mortgage in principle, agreement in principle or DIP) is a very early stage of the mortgage application process and determines not only whether a lender is prepared to lend the money but also the amount they can lend. Eubank, as President and owner of Nationwide, and counsel for the Federal Trade Commission that: 1. IVA and Bankruptcies that have been discharged two years or more can also be accepted. Date of birth. Closed Sundays and Bank Holidays. Call us. Yes, it does. Buy to Let Mortgages with CCJ. Loo44 Forumite ForumiteNatwest mortgage with CCJ. This guide also provides valuable tips on improving your credit rating to increase your chances of mortgage approval. Forum. 0800 020 9430. Number of CCJs: having more than one (1) CCJ can severely limit mortgage options. Kensington Mortgages. Cambridge Building Society. The. Acceptable proof of name for non-EEA Foreign Nationals. Our team of experienced mortgage advisers can recommend a range of remortgage options to suit you. If you are looking to reduce or restructure your debt, track how your borrowing picture changes. You try to make a payment plan with a creditor. " If you fall within this, you will get the standard rate on offer. 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. 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. Also be sure to request any survey reports that were carried out, especially if an issue with the property led to this outcome. 9% per year (Nationwide) = FREE money. 35. You can: In the end, because I couldn't wait for Nationwide (waiting for Call Credit to actually update my file), I actually got a new Mortgage with Halifax WHILE the CCJ was still on file. Defaults. You will need different advice if you live in Scotland. Explore our comprehensive guide on securing a mortgage with a County Court Judgement (CCJ). 75% LTV Buy to Let Deal - Call now to secure; Overall cost for comparison 6. Be prepared to explain the CCJ to the lender. There are many mortgage lenders that accept CCJs, such as Nationwide, Barclays, HSBC, Santander, Lloyds Bank, NatWest, Virgin Money, Yorkshire Building Society, Coventry Building Society, Nationwide Building Society etc. the answer is yes, it is possible. This capped the amount of money buyers could use from gifted deposits. We got a £90k mortgage with a CCJ. More about extending your term. Enter your checking or savings account information. Forum. The most recent ccj issued was in Feb 2020 and is unsatisfied to the value of £190. Your agent will be happy to review the details with you. The best option would be to pay off the CCJ amount and have its status updated to satisfy in your credit report. Learn about our fees and charges. Welcome To Nationwide Mortgage, Inc. We handle nationwide collections, legal services and enforcement. Property criteria. Some reasons I can see why you might have failed scoring: 1. Buy to Let Mortgages with CCJ. The Team; Areas We Serve;Mortgage Best Buys. We got our mortgage with Nationwide last year and had near identical circumstances. When a CCJ is tied to your credit file, mortgage lenders will want to know more about it and why you have it. 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. George and Katie went above and beyond. Houses in Multiple Occupation criteria. An older CCJ may have less impact than a recent one, but with expert guidance, even recent CCJs can be managed. e. Acceptable proof of name for non-EEA Foreign Nationals. When submitting an application for lending greater than 85%. 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%. Repayment mortgages explained. Mortgage ArrearsA County Court judgement. 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. We don't place you into a loan profile formula. 7K comments Most recent: Quote for Boiler Works by Alfster 17 November at 11:31PM. We have lots of experience in securing mortgage offers with CCJs. 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. However, the unsecured loan must be covered under the Consumer Credit Act for a charging order to be issued. A charging order basically comes with a document called a “charge document”. uk. £63,900. Nationwide Deposit Unlock mortgage. Monthly repayment £194. Or 5. You will need different advice if you live in Scotland. In this article we explain what a CCJ is, how to improve your chance of getting a mortgage if you have. Or 5. You could still take out a mortgage with a CCJ. Had your Nationwide Mortgage Application declined? Don’t worry. Nationwide Building Society reserves the right to collect from you any. It’s a case of finding the right specialist. 10% of your overall loan per year for Nationwide mortgages set up on or after 29 May 2013. As the fastest-growing mortgage company in the country, we've built our success on transparency, education, and customer support. We’re here to help you find a Skipton Building Society mortgage that is suitable for your needs. You'll pay more in interest overall, but this could give you some breathing space. The rules can be used for some secured loans that were taken out before 21 March 2016 , contact us for advice. Valuation criteria. . Solicitor information. Nationwide offers fixed rate and tracker rate mortgages to first-time buyers, home movers and homebuyers looking to remortgage. Provides low down payment options, low closing costs, and flexible credit qualifications. If you have a CCJ then you may still be able to get the mortgage that you need. Income Types. MCOB regulated post completion. 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. Get a copy of your credit report and dispute any errors. 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. The bigger the deposit, the better access you’ll have to lower rates, and lower monthly payments. uk If you have a CCJ (County Court Judgement) on your credit file, finding a mortgage that will allow you to purchase a home can feel impossible – but an independent broker can help. Search Now. Visit our. 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. Hi All Last year & in order to avoid court action being started against me by Nationwide BS, by their agents Shoosmiths, (I was advised on Get Out of Debt FreeUse our mortgage calculator to get a rough idea of what you could borrow - in just minutes. The order secures an outstanding loan of. Fully updated statistics are available. Unsatisfied CCJs accepted at underwriters' discretion, 36 months for Select range and 24 months for Core range. Teacher Sarah Arrowsmith and her fiancé Ross Tredger were poised to submit an offer on a home when she learned of the CCJ against her, The Mirror reported. This representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years for our members with a mortgage, savings or current account. 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%. A home repossession. Acceptance will depend on the specific details of the CCJ amongst other considerations such as salary. The CCJ is removed from the public register and your. Including car, motorcycle, homeowners, pet, farm, life and commercial insurance. Struggling to get a mortgage with a ccj it's under 2k and from Jun 2014 so it should fall off soon. Term. If interest rates increase by 1% an additional €53. Our mortgage calculators can help work out what you could be paying each month, how much we might lend you or how long it could take you to save for an average priced home in your chosen neighbourhood. Call 24/7. But before you press ahead, it’s advisable to speak to a broker first. Get a Decision in Principle; Guide to buying your first home; Gifted deposit; Guarantor mortgages;Welcome To Nationwide Mortgage, Inc. Mortgage With Ccj. MCOB regulated post completion. A charging order basically comes with a document called a “charge document”. Nationwide, will only look at arrears that are a minimum of 6 months ago, however, you can’t have had more than 3 months of arrears in total. There can only be one default payment and the amount cannot exceed £150. 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. It is an action your creditors can take in the debt collection process. If your Nationwide mortgage deal is coming to an end or you are paying Nationwide's SVR - you need to make an important decision on how you will keep your mortgage payments low. 01332 742741. Yes, Mortgage through a broker, and have the Mortgage Offer, and now redemption figure, but Solicitor requesting docs relating to theICO and Deeds. How long ago you were issued the CCJ is important, however, the length vs. Getting a mortgage. The CCJ is an order from the court instructing you to repay the debt or a smaller agreed amount. Deals & Shopping. If you are looking to secure a mortgage, but have been issued a CCJ (County Court Judgement), you may find it more difficult to track down a deal that. As mortgage brokers assess each individual and their current circumstances, they use new criteria. At Nationwide Mortgage, Inc. We will accept a maximum of four CCJs in the last three years as long as they were issued over 12 months ago and are either satisfied in full or have a total combined unsatisfied value. Panic. 9%. We specialise in CCJ mortgages for clients who are struggling to attain mortgages from high street lenders. I would settle the ccj. Yes, you can get a mortgage with a CCJ. The credit card co. We aim to bring you the most powerful mortgage best buy table possible, including all deals available to brokers and crucially direct-only deals too. About Menu Toggle. chelseablue Posts: 3,288 Forumite. But the satisfied CCJ was still enough for a big mark down on my Call Credit score - and Nationwide are one of the. A CCJ will only lose you 250 points, but this is in addition to any existing defaults, meaning a total of 600 points. A recent CCJ can make a mortgage application harder. An Individual voluntary arrangement. 09% with no fee. Compare pay for popular roles and read about the team’s work-life balance. If the CCJ was beyond six years ago, it will not appear on your credit score and may even be ignored by your lender. g. If you can’t repay you can ask the court to change the regular payments or suspend the order. If you’re applying for a mortgage with a CCJ registered more than years ago, the size could likely be limited to £2,500 if you’re borrowing up to 85% loan value,. Any lender checking your credit report will see your statement and should take it into account when. It’s possible to choose capital repayment or interest-only repayments. It’s certainly possible to get a mortgage with a CCJ. two years or more) it would generally be ignored, paid or not. #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. Mortgages are subject to underwriting and criteria. A Notice of Correction is a short statement which you can use to add further information to an entry on your credit report. 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. The credit card co. Minimum mortgage term length of two years, maximum term length of 40 years. And there could be further action taken to collect the debt. size of debt can also be an issue. Why use uses? Whatever your situation, at OnlineMortgageAdvisor we know this everyone's circumstances are different. As with any CCJ mortgage, you can expect to pay higher deposit amounts than typical, as well as possible higher interest rates and arrangement fees. Arrowsmith had earlier disputed. 16 August 2020 at 7:05PM. Receiving a County Court Judgment (CCJ) on your credit file will unfortunately show up on your credit rating for up to 6 years, making it especially difficult to get a mortgage. If you have a CCJ, lenders will assess the following: Date. A CCJ check is used to determine if an individual has any County Court Judgments (CCJs) against them. The Credit History question should be answered as ‘Yes' if any customer has had a County Court Judgement (CCJ) or default registered against them, or if self employed against their business, within the last 6 years. The monthly repayment on a 20-year mortgage with Loan to Value (LTV) greater than 80% with variable borrowing rate of 3. According to customer review site Trustpilot, NatWest scores 1. The most recent ccj issued was in Feb 2020 and is unsatisfied to the value of £190. borrowing up to 85% Loan to value. Defaults are also allowed but the total amounts must not exceed £5,000. Please call for free on 0800 2983000 or dial 0333 003 1505 (mobile friendly. Settle or Reach a Repayment Agreement with the Lender or through the Court. The people you owe want to know your situation before. press@companieshouse. It’s nigh-on impossible to be approved for these with a CCJ. 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. You can click Start your quote above, call us at 1-877-669-6877 or find a local agent to get started. Most likely you will be looking at higher interest rates with a specialist lender. If you're buying the property with a partner, affordability assessments may. If they do not comply and I am stuck with a CCJ, what are my chances of securing a high street bank mortgage? Our budget is £350,000 and we currently have a. For example, you could use it to explain why you fell behind with the repayments on a particular loan or credit agreement. Given that the average score across the UK is around 759, that means you’ll definitely have a Very Poor credit score (anywhere from 0. Ready Mortgage Lenders is a Miami-based business that has been in operation since 2013. So, if your. Halifax apparently either didn't check Call Credit OR didn't mind the presence of the satisfied CCJ. ¶ 68. Brean Horne. Call us. Apply for the best-rate mortgages. Paying off any CCJs as soon as you can and. £362. Navigate to Payment Preferences. Mortgages are subject to underwriting and criteria. This means paying your bills on time and keeping your credit utilization low. GameStop Moderna Pfizer Johnson & Johnson AstraZeneca Walgreens Best Buy Novavax SpaceX Tesla. 3 Inducements: regulated mortgage contracts, home reversion plans and regulated sale and rent back agreements 2. However, they each have different restrictions, e. To compare mortgage deals and see what your interest rate and monthly payments could be, try using our online mortgage rate finder. Your lender likely lists interest rates as an annual figure, so you’ll need to divide by 12, for each month of the year. £500 a month for Nationwide mortgages set up between 1 February 2001 and 28 May 2013. Whist you might find some high street lenders who will accept. 09%. A debt management plan. 04% 2 Year Fixed . They’re typically aimed at first-time buyers, but are available to other. 75% LTV Buy to Let Deal - Call now to secure; Overall cost for comparison 6. 99 Trophy Club Drive, Trophy Club, TX 76262. You can increase the length of your mortgage so you pay less each month. I would settle the ccj. Nationwide loan rates at a glance. Default payments- Will accept applicants after three years. Get expert mortgage advice from our team of specialist brokers and advisors at Create Finance. This website uses cookies to improve user experience. Higher LTV criteria and top tips. NerdWallet UK website is a free service with no charge to the user. Hi, I just wanted to share my experience. And we don't promote 'featured commercial partners'. Standard variable rate mortgages. Acceptable deposit (sources) Acceptable Equity Share loan holders. - 56% have a joint account just for bills. 5 years old around £500. You can still work with the solicitors to explore affordable payment options. 2) At the hearing you will either. Our mortgage support pages can help with everything you need to manage your Nationwide mortgage, all in one place. 0 based on just over 4,000 reviews. A county court judgment is a court order issued against a borrower who cannot repay their debts. A County Court Judgment (CCJ) is a type of court order in England, Wales and Northern Ireland that might be registered against you if you fail to repay money you owe. 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. LTVs. He is the branch manager at the Republic State Mortage and has been in the industry for more than 24 years. Any advise is greatly recived please Looking to purchase a house £220,000, deposit £45,000. George and Katie went above and beyond. You will have 190 minutes (about 3 hours) to complete the NMLS test. Refinance. Insurance. If a CCJ (County Court Judgment) is entered against you, the CCJ will order you to pay the money back to the creditor or debt purchaser. In this guide (13 articles) Mortgage types explained. But it was a struggle to get a mortgage at that time with these CCJ's and a 10% deposit. Nationwide will become the latest lender to raise mortgage rates again, with increases of up to 0. Getting a mortgage will often depend on the circumstances of a CCJ. Call 1-800-848-6331 for investment/ financial help. g. For intermediary use only. This will help to improve your credit score. Buy To Let . For example, if the CCJ was issued five years ago that will impact the lender’s decision less than one served two weeks ago. We'll seek to validate your client's income using credit bureau information. If the CCJ is registered more than 30 days.