CCJ Mortgage Derby
- Access to the whole of the market, including specialist providers
- Free expert advice
- No impact to credit score
If you have a County Court Judgment (CCJ) on your credit file, securing a mortgage can feel challenging. Mainstream lenders and high-street banks are likely to decline applications from borrowers with a CCJ.
However, specialist mortgage lenders in Derby can help you find a solution. At My Mortgage Specialist, we specialise in CCJ mortgages, making homeownership possible even with past credit issues.
Click here, phone 0115 667 7630, or email hello@mymortgagespecialist.co.uk to speak with our expert mortgage advisors and discuss your options today.
How a CCJ Affects Your Credit
A CCJ stays on your credit report for six years, impacting your credit score and mortgage eligibility.
- Satisfied CCJ – If you’ve repaid the debt, lenders will see this positively, improving your chances of mortgage approval.
- Unsatisfied CCJ – Some specialist lenders may still offer a mortgage, depending on your overall financial situation.
Lenders also consider other credit factors, including late payments, outstanding debts, and debt management plans. A poor credit score or a CCJ does not automatically disqualify you from getting a mortgage.
Why Specialist Lenders and Mortgage Brokers Matter
While mainstream lenders may reject applicants with adverse credit, specialist mortgage brokers have access to lenders who understand credit challenges.
At My Mortgage Specialist, our team:
- Reviews your credit history thoroughly
- Identifies lenders suited to clients with CCJs
- Explains deposit requirements and interest rates
- Guides you to the most competitive mortgage deal
The CCJ Mortgage Application Process
Here’s what to expect when applying for a mortgage with a CCJ in Derby:
- Initial Consultation – Discuss your financial history, including any CCJs, utility bills, and other debts.
- Assessment – Determine whether your CCJ is satisfied and identify suitable mortgage options.
- Application Submission – We handle all paperwork and liaise with lenders on your behalf.
- Offer and Completion – Once approved, you’ll receive a mortgage offer based on your property value and financial circumstances.
Tip: A larger deposit and proof of stable income can significantly improve your chances of approval.
Why Choose My Mortgage Specialist
With access to a wide range of lenders, including those who cater to borrowers with multiple credit issues, we help clients rebuild their financial future.
Whether you are:
- Applying for a first-time mortgage
- Moving home
- Considering a buy-to-let property
Our team provides expert guidance every step of the way, ensuring you get the best mortgage deal, manage interest rates, and secure your home with confidence.
Click here, phone 0115 667 7630, or email hello@mymortgagespecialist.co.uk to discuss your CCJ mortgage options in Derby today.
Our Location:
My Mortgage Specialist,
Park Ln,
Nottingham
NG6 0DW
About Derby
Nestled in the heart of the East Midlands, Derby boasts a lively cultural scene with independent cafés, riverside walks, and the historic Cathedral Quarter offering boutique shopping and stunning architecture. The nearby Peak District provides a natural escape, and there are plenty of historical cities, parks, and recreational areas throughout the city and neighbouring areas.
