We bought our new build semi in the Midlands two years ago on a two-year fixed rate at 5.89% through a specialist lender, as the OH had a CCJ on his file at the time. That CCJ has now dropped off his credit report entirely as of August this year.
Our fix ends in April 2026, so we are about six months out. I have been keeping an eye on rates and was hoping they would start to come down by now, but it seems like base rate cuts keep getting pushed back. We owe about 195k on a property worth roughly 230k, so LTV is around 85%.
My question is really about timing. Should we start approaching high street lenders now to get a decision in principle, or is six months too early? I know most mortgage offers last six months so in theory we could lock something in now. Also, has anyone had experience of a cleared CCJ still showing up or causing issues even after it has officially been removed from the file? Any help would be gratefully received.