I’ve been reading some of the threads on the landlords section and have seen that a lot of landlords have negative experience with CCJs. As such, I understand why landlords are so against tenants with CCJs.
However, I wondered if I could get some advice about my circumstances.
5.5 years ago, I lost my job (2 months before my first child was born). As I was already in the process of starting my own business, I found I was unable to get jobseekers/universal credit and had a very limited amount of money in the bank.
I decided to throw myself in to building up my own business and always made sure I paid my mortgage, and have paid my mortgage every month without fail. As I prioritised my mortgage over everything else, I ended up with 4 CCJs and my wife has 2. These have now been satisfied but only recently.
We have decided to sell our house and want to rent for a few years, but are really struggling to find someone that will accept us due to our CCJs.
My wife and I are now company directors on a combined income of £70k and we are in a position to pay 6 months upfront.
I just wondered if I could get some advice on the best way to approach our circumstances with a prospective landlord. I feel like a platform like Openrent is much better as a lot of letting agents will actively discourage landlords from even considering someone with CCJs