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If you need to get a mortgage UK CCJs are no longer a barrier, with thousands of deals available to people with financial problems. The issue that affects the interest rate offered to applicants is the number and amount of County Court Judgements entered against them. With most lenders who offer a mortgage UK CCJs fall into three bands. These are below £2,000, between £2,000 and £5,000 and above £5,000. Other factors are also taken into account when deciding whether someone is suitable for a mortgage deal. These include bankruptcy and individual voluntary arrangements, as well as a general assessment of the credit file.

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