CCJ MORTGAGE ADVICE
Have a CCJ on your file?
We specialise in CCJ mortgages
Your home may be repossessed if you do not keep up repayments on a mortgage.
The Financial Conduct Authority does not regulate some forms of Buy-to-Lets.
“Solutions where others gave up”
Our customers find us when their situation isn’t straightforward, and we provide solutions where others gave up.
See how we’ve helped those who were previously told no - find out if we can help you too.
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NEED A MORTGAGE WITH A CCJ?
Whether your judgment was a result of a dispute, a forgotten bill, or a period of financial difficulty, securing a mortgage isn’t always straightforward.
Most high-street banks will automatically decline an application the moment a CCJ appears on a credit search, regardless of the story behind it or how long ago it happened.
Common reasons people struggle to get a mortgage with a CCJ:
Judgment registered too recently
The CCJ is for a high monetary value
The debt is still active or "unsatisfied"
Automated "fail" from high-street scoring
WHAT CCJ SITUATIONS CAN WE HELP WITH?
Having a CCJ doesn't mean you can’t get a mortgage. We work with specialist lenders who take a manual approach, allowing a human to make the decision rather than a computer. We can help with:
Very recent CCJs (registered less than 2 months ago)
Unsatisfied CCJs (no need to pay them back first)
High-value judgments (amount often ignored)
Multiple CCJs on a single credit file
Satisfied or older judgments
Disputed medical or parking fine CCJs
Combined credit issues (CCJs and defaults)
THERE ARE BETTER OPTIONS
A County Court Judgment is often just a snapshot of a specific moment in time; it doesn't define your current ability to maintain a mortgage.
Our lenders look for the reasoning and the "story" behind the credit issues. By applying our years of experience and deep lender relationships, we present your case personally to ensure the underwriter understands your situation, rather than just seeing a mark on a report.
CCJ MORTGAGE SPECIALISTS
We’re impartial mortgage advisers who help people with previous or current judgments secure their homes every day.
Access to specialist lenders
Clear, honest advice
A realistic plan to buy your home
READY TO GET STARTED?
MAKE AN ENQUIRY
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Basic information
Reply within 24 hours
WHY THE BANKS SAY “NO”
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A CCJ is a serious red flag indicating a debt required legal action, which most banks see as a fundamental risk.
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If a CCJ is still "active" or "unsatisfied" on your record, almost all high-street lenders will refuse the application immediately.
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Even if small, having multiple CCJs suggests a pattern of financial mismanagement that outweighs any positive aspects of your application.
SPEAK TO AN EXPERT TODAY
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A previous decline doesn’t mean there are no options. It usually means the lender wasn’t right for your situation.
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No. An initial conversation and assessment won’t affect your credit file.
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That depends on your situation, but we focus on clear answers and efficient progress from the start.
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This is not a problem at all. Our role is to explain things clearly, without jargon, so you always know what’s happening.
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We assess your situation, explore suitable lenders, and guide you through the process — helping you avoid common pitfalls along the way.
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We will only supply exactly what the lender asks to avoid delaying the process. We also keep minimum documents needed for our internal compliance.
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That’s our job. We compare this for you and check what lenders are available, so you can make the right choice without having to do it yourself.
GEORGE GRIFFITHS
MANAGING DIRECTOR
