CCJ Mortgage Lender Leicester

If you are looking for a CCJ mortgage lender in Leicester but have been discouraged by a county court judgment, poor credit history, or late payments, you are not alone. 

Many borrowers face challenges when trying to get a mortgage following financial difficulties, yet securing a mortgage with a CCJ is still possible with the right guidance and access to specialist lenders.

My Mortgage Specialist, based in Derby and supporting customers across Leicester, helps clients secure bad credit mortgages by exploring the whole mortgage market, including CCJ mortgage lenders who regularly work with applicants who have adverse credit.

Click here, phone 0115 667 7630, or email hello@mymortgagespecialist.co.uk to take the first steps towards property ownership. 

Our expert team has been helping customers with credit problems with the mortgage process to ensure they are a step closer to their dream home.

Why a CCJ Affects Your Mortgage Application

A county court judgment recorded on your credit file signals to mortgage lenders that you have previously struggled with debts or repayments. 

As a result, high street lenders may decline your application because they consider it a higher risk.

A CCJ can affect:

• Your credit score
• The interest rates available to you
• The deposit required
• The range of mortgage deals you may qualify for

However, a CCJ does not prevent you from securing a mortgage and searching for your own home. 

Specialist lenders look at your unique circumstances, including how you manage money today and how long ago the CCJ took place.

How a Mortgage Broker Supports Your Approval in Leicester

Working with an experienced mortgage broker gives you access to more lenders and a wider range of mortgage options. This is especially useful if you have:

• Low credit score
• Adverse credit
• Outstanding debts
• Late or missed payments
• Defaults or existing CCJs
• Previous unsecured or secured loans

A specialist mortgage advisor will assess your credit report, discuss suitable mortgage options, and guide you through the entire mortgage process to keep it clear, structured, and manageable. 

In a world of increased risk, working with a mortgage broker, such as our expert at MMA, will help you to find the best deal in a stress-free manner.

Key Factors Lenders Consider

When assessing a bad credit mortgage application, lenders will look closely at a list of different criteria, such as:

• The age and value of the CCJ
• The size of your deposit
• Your recent payment history
• Employment status and income stability
• Any other debts and how they are maintained

These details help lenders determine risk and affordability. 

Even if you end up with a mortgage deal with a higher deposit, at My Mortgage Specialist, we want to help our Leicester clients find a CCJ mortgage lender suited to them.

Improving Your Chances of Getting a Mortgage

To strengthen your application, consider:

• Improving your credit score through consistent payment history
• Reducing existing debts where possible
• Avoid new credit applications before applying
• Demonstrating stable employment and financial management
• Preparing a larger deposit
• Checking your credit file for errors

These actions help you present yourself as a more reliable borrower.

Why Choose My Mortgage Specialist

My Mortgage Specialist provides:

• Expert advice tailored to your circumstances
• Access to a wide range of specialist mortgage lenders
• Support for first-time buyers and existing homeowners
• Assistance with raising funds, home improvements, equity release, or refinancing
• Clear guidance throughout the mortgage application

Whether you are dealing with adverse credit or a low credit score, our advisors are here to help you secure the right mortgage and move toward your homeownership goals.

Start Your Mortgage Journey

If you need a CCJ mortgage lender in Leicester, our team is ready to help.

 With access to specialist lenders and detailed, personalised advice, you can still qualify for a mortgage despite credit challenges. 

Contact My Mortgage Specialist to take your next step confidently.

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 Leicester

Leicester is a vibrant, multicultural city known for its rich history, diverse food scene, and lively urban culture. Home to the historic King Richard III discovery, the famous Golden Mile, and the thriving Leicester Market, the city offers a blend of heritage and modern living that appeals to both residents and visitors. Its strong sporting reputation, celebrated through Leicester City Football Club and the Leicester Tigers, adds to the local pride, while festivals such as the Leicester Diwali celebrations and the Caribbean Carnival make it one of the most culturally exciting cities in the UK. With great transport links, a growing business community, and a friendly atmosphere, Leicester continues to be a welcoming and dynamic place to live and explore.