CCJ Mortgages

We are CCJ Mortgage Experts!

Whether you have a poor credit score, an unsatisfied CCJ, an IVA or a default, we provide access to alternative mortgages.
A County Court Judgment (CCJ) or default registered against you can damage your credit rating but that doesn’t mean you have to end your search for the right mortgage.

Our highly trained and experienced team secure mortgages with CCJs on a daily basis. By gaining a deep understanding on your current situation, we recommend the best possible deals, whilst taking all the costs and features of each mortgage product into account.

With access to a growing number of specialist lenders who take on a fact-checking approach, looking beyond your credit score to learn more about you, CCJ Mortgage Expert has helped hundreds of people purchase their dream homes.

Every lender has a different criteria for CCJs but the majority will pay careful attention to the amount owned, the date the CCJ was registered and the number of CCJs you have in total.

Why Choose CCJ Mortgage Expert?

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Who We Help

No Credit History
Low Credit Score
Missed Mortgage
Debt Management Schemes
Payday Loans

Poor credit history isn’t the end of the story

We’re one of the few nationwide mortgage advisers who will meet face-to-face, manage and process your entire application without delay, including research, comparisons and applications.

Bad credit doesn’t mean you have to delay your plans of buying a home, so whether you’re suffering from a CCJ, default or a series of missed payments, we can ensure your journey to finding the right mortgage is smooth and stress-free.


If your CCJ is less than 6 years old

You may be eligible for a mortgage with as little as a 5% deposit, with loans from £25,000 and absolutely no credit scoring. You may even be eligible for Help to Buy (HTB) schemes, Buy to Let (BTL) schemes and First Time Buyer (FTB) schemes.

Call now to discover your next dream home!

If your CCJ is older than 6 years old

Potentially you will be able to access high street interest rates as well as Right To Buy Mortgages with no deposit and Shared Ownership Purchases

Start shaping your future now!

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Now that you have found The Mortgage Experts, do not settle for anything less.

With nearly 150 years of financial services experience, from debt management to mortgages to protection, our varied industry knowledge will cater for any financial circumstance you find yourself in.

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Customer Satisfaction

Our post-completion surveys ensure we are constantly improving

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Applications Completed

Our experienced team have completed over 4,300 applications


Years of Experience

There is nothing about the industry that our fully-qualified team do not know

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Lender Partnerships

From banks to niche lenders, we will find you the perfect provider

Our Mortgage Process

Our proven and methodical process will ensure we secure you the best possible deal, keeping you fully up-to-date at every stage. Here is how it works...
  • 1

    The Introduction

    We start by getting to know you, your needs and your requirements. Here we assess your incomings and outgoings, setting an agreeable budget.

  • 2

    Product Match

    Then we obtain and review your credit profile before searching the 'whole of market' to find the most suitable lender and mortgage product for your requirements.

  • 3

    Lender Agreement

    Next up we provide you with a fully protected mortgage quote and then look to obtain a mortgage in principle from the selected lender.

  • 4

    Completion Time

    Finally, we complete all of the relevant paperwork and guide you through the remainder of the process until success completion has been achieved.

Highly Recommend

Michael has been fantastic throughout. Communication has been fantastic and secured us a mortgage offer even with partner’s bad credit history at a really good interest rate. Would highly recommend Michael and the team. Thanks so much.