Speak to an Advisor 7 days, 8am - 10pm
Speak to an Advisor 7 days, 8am - 10pm
A County Court Judgment, or CCJ, is a legal ruling issued when a person fails to repay a debt.
Once recorded on your credit file, it can make borrowing more difficult.
Many lenders in London consider a CCJ to be a sign of financial risk, which can affect your ability to get a mortgage.
However, options are available, as a mortgage broker in London, we specialise in helping applicants with CCJs find lenders willing to assess their full financial picture rather than just their credit history.
Our mortgage advisors in London can help you explore the most suitable mortgage options for your situation.
Yes, but lenders will consider factors such as when the CCJ was issued, whether it has been settled, and how much was owed.
Some mortgage providers may require a larger deposit or charge a higher interest rate to offset the perceived risk.
Getting mortgage advice in London can make a difference, as an expert can identify lenders who are more open to applicants with CCJs.
Your options will depend on several factors, including the size of your CCJ, whether it has been repaid, and your overall credit profile.
Some lenders specialise in mortgages for those with adverse credit, while others may have stricter rules.
A mortgage advisor in London can help you assess which lenders are most likely to approve your application and secure a deal that works for you.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
5.00 Rating15 Reviews
Anonymous
Charlie helped guide me through the process and answered all my questions. Would highly recommend London money man to everyone!
7 months ago
Anonymous
Ryan at London Moneyman made moving home with my mortgage easier. Thank you, 5 stars service.
7 months ago
Laura
I was nervous buying my first home but londonmoneyman were fab! Thank you for helping me 🙏
7 months ago
Jaycee
A+ service. communication was brilliant, helped me find a mortgage. Will definitely be back!
7 months ago
Tamra
Great company. Great service. Recommend 100%
7 months ago
Otto
thank you chloe for help with my mortgage iwill be back next time.
7 months ago
Tabby
Excellent service very helpful with my mortgage 😀
7 months ago
Seb
Very useful and efficient service. Thank you london money man!
7 months ago
Josie
Dinah and the team at London money man were super helpful with a remortgage on our family home. They got us through the process quickly and found me a much better deal than we were on. Thank you again, we'll be back in touch for our next...
7 months ago
Jeb
Great service from Kayleigh & Leo! Made it easy and stress free, thank you both for finding me a suitable product. I would not have got through this without their help.
7 months ago
Derek
Helped me and my partner on our remortgage. Molly was friendly and polite on the phoen and helped us throughout the process. Would reccomend 👍
7 months ago
Marina
Leoand Kayleigh were great during my process. He made everything stressfree for me as a first time buyer. Would definitely recommend to others going through the same process as it helped a lot. Thank you..Marina
7 months ago
James
Thank you Londonmoneyman. From my free initial mortgage appointment to completion I was kept in the loop. Jason was great and would definitely recommend.
7 months ago
Ruby
Tom and Louise were so helpful throughout the whole process. As First Time Buyers we were almost scared to start looking for a home but the team at Londonmoneyman put us at ease and now we have a lovely new home. Thanks for everything!
7 months ago
John
Amazing service from start to finish. Charlie, Megan and the application team were very helpful throughout, to help with any queries, and kept me up to date with the process at every stage. Couldn't recommend them enough!
2 years ago
The first step is to speak with one of our mortgage advisors in London, who will review your financial circumstances and discuss your mortgage options.
We will assess your CCJ history and explore the lenders most likely to approve your application.
As a mortgage broker in London, we compare different lenders to identify those who are more likely to approve your application.
Each lender has their own CCJ criteria, and we focus on those most suited to your financial profile.
We help you gather all the necessary documents, such as proof of income, credit reports, and bank statements, to ensure your application is as strong as possible.
Having a complete and well-prepared application increases your chances of approval.
Once your mortgage has been approved, we will guide you through to completion, handling the final details to ensure a smooth and stress-free process.
We keep you informed at every stage, making sure you fully understand the next steps.
Lenders will look at when the CCJ was issued, how much was owed, and whether it has been paid.
The older the CCJ, the better your chances of securing a mortgage.
Some lenders may refuse applications if a CCJ is recent, while others are more flexible depending on your overall financial profile.
Although a CCJ affects your credit file, lenders also consider other factors such as your overall credit score, existing debts, and financial stability.
If you have demonstrated responsible financial behaviour since receiving your CCJ, such as making consistent repayments on other credit commitments, it can work in your favour.
Many lenders require a higher deposit when approving a Mortgage With CCJ in London, often 15 percent or more.
The size of the deposit required depends on factors like how recent your CCJ is and your overall credit history.
Interest rates may also be higher, as lenders may see CCJ applicants as higher risk.
Understanding which lenders will consider applications from those with CCJs can be difficult, as not all lenders openly advertise their criteria.
As a mortgage broker in London, we help match you with lenders who are willing to consider your full financial circumstances, not just your credit history.
Our mortgage advisors in London can guide you through the process, helping you find the right lender for your situation.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
Download For Free
Read our 15 Reviews
Londonmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Londonmoneyman 2009–2026
Contact
Follow Us
Londonmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Londonmoneyman 2009–2026
Speak to an Advisor
7 Days a Week, 8am – 10pm
We value your privacy
This website uses cookies. If you continue to use the site, we will assume that you agree with our use of cookies.
