Get a Mortgage With a County Court Judgement (CCJ)
We have assisted over 10,000 customers with poor credit. We excel at it! Request FREE advice and prices with no strings attached. No initial credit check.
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We're Bad Credit Mortgage specialists with access to the whole of the market!
Have you gone through bankruptcy, a debt management plan, or had a CCJ or default in the last 6 years? You need not worry! We are experts in the mortgage industry and work frequently with bad credit mortgage lenders who specialise in assisting people in your situation.
How to get a mortgage with CCJ's
There are a few things you can do to improve your chances of receiving a mortgage even if you have had credit troubles in the past.
These are some examples:
Improving your credit score – It’s a good idea to clean up your credit report in the months or years before you apply for a mortgage. Try to demonstrate to lenders that you can manage your debt properly. Avoid holding a balance on any credit cards. Instead, pay all bills on time and in full.
Accumulating a larger deposit – While this is easier said than done, saving a larger deposit can boost your chances of acquiring a mortgage. Many specialist lenders, who are normally more responsive to CCJs require larger deposits, thus the larger the deposit you can offer, the more lenders will evaluate your application, and the more competitive rates you can acquire.
Speak to a specialist broker – Obtaining a mortgage can be difficult even for individuals with good credit, but with a CCJ on your record, the pool of lenders available to you will be significantly narrower and, as a result, more difficult.
Get some help from one of our experienced mortgage brokers and simplify your life. We have relationships with bad credit brokers who will assist you in locating loan providers who are willing to offer you a second chance despite your poor credit history.
Contact us and we will arrange for an expert in this field to speak with you immediately to discuss your individual situation.
Is it possible to remortgage with a CCJ?
Yes, that is possible, but you may find it more difficult to obtain the best rates and packages than someone with strong credit. Our brokers will compare mortgages from every lender across the whole market. This could help you avoid rejection and save you thousands of pounds over the life of your mortgage.
4 Reasons why to use us?
We believe that everyone deserves the opportunity to own their own property and recover from an adverse credit history. We put you in touch with a specialist mortgage advisor who has access to the whole of the UK mortgage market and will help you secure the best bad credit mortgage deals for you in your current circumstances.
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Get in touch!
We love speaking with our clients. Give us a call, fill in one of our contact form or chat with us on 0330 043 1143 right away!
We’ll introduce you for free
We’ll put you in touch with one of our qualified mortgage advisors who will discuss your options and answer your questions.
... and relax!
With the expert advice you’ll be able to find the best mortgage deal for your particular circumstances.
See what others think ...
Steven Brunning
Aidan and Kayleigh were absolutely brilliant. They were very pro-active throughout and gave us confidence that they were identifying the most appropriate products on the market for our needs! We felt very reassured and are grateful for them helping the transaction to run as smoothly as possible.
Zara Akhtar
From the very start Michael, who I initially spoke with was the extremely helpful and professional. I was struggling to find a lender due to my personal circumstances. Michael was very open and honest with me and actually managed to find a lender who would consider my circumstances. This is something other brokers were unable to do!
I started my mortgage journey thinking I could never get a mortgage, well if I did I would be a long time due to a few mistakes I made back when I was a student. I got speaking to Luke Grosse. After months of searching things couldn’t of gone smoother on his end, he got me a mortgage offer. Easy to talk to, straight forward, explained everything in detail while being patient. Couldn’t recommend this company and Luke in particular any higher as my experience with them was fantastic. Finally completed on my purchase today and now I am a home owner with my fiancé.
This being our first property purchase, we were very unfamiliar with the how things worked. With the support and help by these two fine ladies, we were able to steer in the right direction. We had constant communication throughout the process and communication was key in these purchase too. I definitely speak highly and recommend others the mortgage advisor as they were always willing to help and support us in any way possible.
Can you get a mortgage with a CCJ?
Yes, it is certainly possible. Some lenders will even give mortgages to people with unsatisfied CCJs.
If your application is accepted, you may be required to pay a higher interest rate. This is due to the fact that many lenders perceive consumers with poor credit to be a larger risk, so they charge higher interest rates to protect themselves.
Obtaining a mortgage after having a CCJ can be a challenging procedure to handle on your own. Fortunately, you can boost your odds by working with our specialist brokers. They will be able to use their experience and industry knowledge to find the best lender for your situation.
Talk to a mortgage broker that specialises in helping people with less-than-perfect credit
Using a mortgage broker that has experience assisting borrowers with CCJs will improve your chances of being approved for a loan. If you’ve had credit issues in the past, they’ll know which lenders are more likely to approve your application and can guide you through the process.
Let us find your perfect mortgage.
We’ll put you in touch with impartial advice from a qualified advisor to help you get the best mortgage deals available to you.
Meet our experts
Michael Buckley
Director / Mortgage & Protection Advisor
Aidan Comerford
Sales Manager
Luke Grosse
Mortgage & Protection Advisor
Chris Kenny
Mortgage & Protection Advisor