Can I get a high street mortgage with CCJs, Defaults?

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Can I get a high street mortgage with CCJs,
Defaults?
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Factors
A lot of people assume that factors like CCJs and
defaults on their credit report will
automatically rule them out for getting a
mortgage. This is not the case. Time heals most
things on a credit report, so if you can wait it
out, you can often get a mortgage without any
issues. A CCJ will stay on your credit report for
six years, even if you settle it sooner. After
six years, it will drop from your credit report
and you can begin to build your credit from
scratch.
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High Risk
The majority of high street lenders will not
accept applications from those with CCJs as they
use the credit report as a way to measure
risk. A person with a CCJ is considered higher
risk as they have a history of struggling to pay
back debt. The same can be said for defaults,
which also stay on your credit file for six
years. However, the credit report is only one
factor in their lending decision. In some cases,
high street lenders will accept applications from
individuals with a higher deposit. If you can
secure a deposit of around 20-30, you will
increase your chances of being accepted.
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Worth Noting
Its also worth noting that not all high street
lenders are the same. If you are rejected by one,
it doesnt mean that you will be rejected by
all. Its best to shop around and speak to a
specialist mortgage advisor who will be able to
review your situation and advise you on the
lenders most likely to accept your application.