CCJ Mortgage Derby
- Access to the whole of the market, including specialist providers
- Free expert advice
- No impact to credit score
A CCJ mortgage is designed for borrowers who have a County Court Judgment (CCJ) on their credit file.
If you’ve received a court order to repay money and it appears on your credit record, mainstream or high street lenders may decline your application.
However, specialist lenders in Derby can still help you secure a mortgage despite these challenges.
A CCJ mortgage in Derby is available to clients with a satisfied or unsatisfied CCJ, depending on the lender’s eligibility criteria and your current financial situation.
At My Mortgage Specialist, we help clients in Derby with a CCJ mortgage, making homeownership more achievable.
Click here, phone 0115 667 7630, or email hello@mymortgagespecialist.co.uk to get in touch with our expert mortgage advisors and discuss your unique circumstances, potential lenders, and the several factors considered with a bad credit mortgage.
How a CCJ Affects Your Credit
A County Court Judgement remains on your credit report for six years, affecting your credit score and mortgage eligibility.
However, a satisfied CCJ – meaning you’ve repaid what was owed – can significantly improve your chances of approval.
Lenders also look at other credit issues, such as late payments, debt management plans, and outstanding debts, to assess your financial circumstances.
Your entire credit profile is reviewed during the mortgage process by mortgage lenders, but a poor credit score does not automatically disqualify you.
The Role of Specialist Lenders and Brokers
While mainstream lenders, such as high-street banks, may reject applicants with adverse credit, specialist mortgage brokers work with lenders who understand credit challenges.
At My Mortgage Specialists, our experienced team provides impartial advice and identifies the most suitable lenders for your needs.
We’ll review your credit reports, discuss how much deposit you may need, and guide you toward a competitive mortgage deal.
The Mortgage Application Process
- Initial Consultation – Review your financial history, including credit agreements and utility bills.
- Assessment – Determine whether your CCJ is satisfied and explore options for adverse credit mortgages.
- Application Submission – Your mortgage broker handles paperwork and liaises with lenders.
- Offer and Completion – Once approved, you’ll receive a mortgage offer based on your property value and financial situation.
A larger deposit and evidence of a stable income can often make all the difference when applying for a mortgage with a CCJ.
Why Choose My Mortgage Specialists
With access to many lenders, including those who cater to clients with multiple credit issues, we help borrowers rebuild their financial future.
Whether you’re applying for a new mortgage, exploring buy-to-let mortgages, or seeking credit mortgage advice, our mortgage experts are here to help.
We provide expert mortgage advice throughout your journey—ensuring you find the best deal, manage interest rates, and secure your home with confidence.
Click here, phone 0115 667 7630, or email hello@mymortgagespecialist.co.uk to get in touch with My Mortgage Specialist 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.
