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A County Court Judgment, or CCJ, is issued when someone has failed to repay a debt.
Once it is added to your credit file, it can make borrowing more difficult, especially when it comes to securing a mortgage.
Many lenders in Nottingham view a CCJ as a sign of past financial issues, which can affect the mortgage products available to you.
As a mortgage broker in Nottingham, we understand the challenges involved and work with lenders who consider applications from those with CCJs.
Yes, getting a mortgage with a CCJ is possible, but lenders will assess your application carefully.
They will look at when the CCJ was registered, whether it has been settled, and the amount owed.
Some lenders may ask for a higher deposit or apply increased interest rates.
Getting mortgage advice in Nottingham can help you identify the lenders who are more willing to consider CCJ applications, helping you avoid unnecessary rejections and find a deal that works for you.
Your options depend on the size and age of your CCJ and your wider financial circumstances.
Some lenders specialise in offering mortgages to applicants with a history of credit issues, while others may only accept CCJs that are older or settled.
Our mortgage advisors in Nottingham can guide you towards lenders who are more open to working with CCJ applicants and help you find a mortgage tailored to your needs.
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.
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Nikky O
I and my husband had a great experience with moneyman, everything went smoothly and Jason Harros helped us got a very good deal. This company is highly recommended.
29 Jun 2026
Kristen Horner
We’ve had a really positive experience with Nottinghammoneyman throughout our mortgage process as first-time buyers. Our mortgage advisors Warren and Chris were highly knowledgeable and took us through everything step by step, which really helped us feel less overwhelmed at what can be a quite complex process. The admin side has also been very efficient. Any questions we had were answered quickly and professionally, and we always felt supported whenever we needed clarification. Overall, a very good service and we’d happily recommend Nottinghammoneyman to other first-time buyers or anyone looking for mortgage advice and support. We’ll also likely use them again in the future for remortgaging for peace of mind. Thank you, Nottinghammoneyman!
24 Jun 2026
Stephen Odudu
Great experience and a very quick offer to my mortgage you guys are doing a great job thanks so much for making me to get my mortgage and a good deal .
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Matthew has been brilliant throughout my entire first home purchase journey. Hes been very patient and understanding and i couldnt have wished for a better experience. Thankyou so much for making this a less stressful for me and explaining everything in detail!
27 May 2026
Hannah Ryley
We knew absolutely nothing about the mortgage experience! Chris made this whole experience less stressful! He not only was an amazing advisor but his personality is amazing! We made the right choice in in choosing UK money man, they really are the best!
7 May 2026
Josh King
Jason and Jo have been brilliant, from the very first phone appointment to obtaining our offer we had great communication and support throughout.
27 Apr 2026
Shauna Rose Wilkinson
Brilliant team! The service from everyone we’ve spoken to at UK Moneyman has always been flawless and so clear at every step, we wouldn’t use anyone else. Thank you!
1 Apr 2026
Harry Mak
We had such a great experience with Chris Thompson and his team! They first helped us when we were buying our first home, and honestly, as first time buyers, we had so many questions. They were incredibly patient and made sure we understood everything clearly. The advice they gave us was spot on and really helped us feel confident throughout the whole process. We recently remortgaged with Chris and his team and once again, they were excellent. They provided clear, accurate information and guided us through every step just like they did the first time. We’re really grateful for all their support, both with our first mortgage and the remortgage. I’d definitely recommend anyone looking to buy their first home or remortgage. They really know their stuff and genuinely care about helping their clients!
4 Mar 2026
Gaynor Browne
Excellent guidance and service from start to finish. Chris Wardall was helpful, informative, friendly and very patient with me being a first timer buyer . Great service from Chris and the whole team. Service was consistant with regular updates and no delays.i highly reccommend using this company.
3 Mar 2026
Dan B.
They've been very helpful from start to finish. Conor is on the ball and always takes the time to answer questions
5 Feb 2026
Your first step is to speak with one of our mortgage advisors in Nottingham, who will take the time to understand your financial circumstances and what you are looking for in a mortgage.
As a mortgage broker in Nottingham, we compare lenders and identify those most likely to accept your application based on your CCJ and financial history.
We help you gather the necessary documents, including proof of income and credit reports, and ensure your application is fully prepared to give you the best chance of success.
Once your mortgage has been approved, we will guide you through to completion, keeping you updated and making sure the process is smooth and stress-free.
We have direct experience supporting people who have struggled to secure a mortgage due to past credit issues, including CCJs.
Our team understands the specific challenges that come with these situations, and we know exactly which lenders are more flexible in their criteria.
This means we can focus on finding lenders who are genuinely willing to consider your application, saving you time and helping you avoid unnecessary declines.
We know that no two situations are the same, so we carefully assess your personal financial history, the details of your CCJ, and what you are hoping to achieve.
Whether your CCJ was settled recently or you have more than one, we aim to match you with lenders who are the most suitable fit for your circumstances.
We will guide you through every step of the process, keeping things clear and straightforward while answering any questions you may have along the way.
Many lenders do not openly advertise their criteria for CCJ applications, which can make finding the right one difficult.
By working with us, you can benefit from our established relationships with lenders who are willing to consider applicants with CCJs, some of whom you would not be able to approach directly.
This wider access means more options, and a better chance of finding a mortgage that suits your needs.
Submitting a mortgage application with a CCJ requires careful preparation to ensure the most suitable outcome.
We check your documents, help you present your case in the strongest way, and make sure everything is ready before submitting to a lender.
By managing the process for you, we reduce the risk of delays or mistakes that can set you back.
Our goal is to make applying for your mortgage as simple and stress-free as possible, supporting you all the way to completion.
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Nottinghammoneyman 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.
© Nottinghammoneyman 2009–2026
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Nottinghammoneyman 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.
© Nottinghammoneyman 2009–2026
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