Adverse credit history mortgage FAQ

What is a CCJ?
This is where a company to whom you owe money takes your
debt to a County Court to get the court to order you to pay back
the money owed - County Court Judgement.
What effect will a CCJ have on me?
If you pay the judgement in full within 30 days it will not be
registered on your credit file. If you are unable to pay in full
within this time, details of the judgement will be held on your
credit file for six years.
What happens when I pay off the CCJ?
Once the debt has been paid in full you can apply to the
court for a document known as a Certificate of Satisfaction.
Satisfied CCJs still remain on your credit file.
What constitutes Mortgage Arrears?
Arrears are payments that are not made by the due date
or not for the correct amount agreed by the lender on
either your mortgage or on any loans secured against
your property.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be approximately £995.

Your home may be repossessed if you do not keep up your repayments on a mortgage or debt secured on it.

Circle loans introduce all business to FSA registered companies and receive 50% of all fees charged.

The overall cost for comparison is 9.20% APR. The actual rate available will depend upon your circumstances. Ask for an illustration. APR variable and based on a usual case.