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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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4.96 Rating355 Reviews
Rachel
Conor (Mortgage Advisor) and Lizzi (Case Manager) have been fantastic from start to finish. As first time buyers, we felt the information was explained clearly and updated regularly. I would recommend them to anyone!
1 month ago
Heather
Recommended by a friend. For us as first time buyers it was absolutely the best decision to come to Chris at Notts money man. The advice and finding the right products felt easy and we learned as we went through the process. Will definitely come...
3 months ago
Anonymous
Very efficient and good communication. I had a good experience and successfully applied for a mortgage with their help.
4 months ago
Robert
UK Money Man, Conor and the team were great and sourced us a mortgage that we were unsure we could get. Second time using UK Money Man and we would certainly use them again. Fantastic service
6 months ago
Olivia
As a first-time buyer, I wasn’t really sure what to expect with getting a mortgage, but Matt at Nottingham Money Man was brilliant from start to finish and immediately put us at ease from the first phone call. He explained everything really...
7 months ago
Anonymous
Very helpful, just what we needed.
7 months ago
Karen
Smooth transition. Meetings on time. Lovely and really helpful staff who know what they’re doing and all for your best interest.
7 months ago
Katie
These mortgage brokers are amazing, there quick responses made a stressful time feel like a breeze and answered any questions I had promptly and in detail. I could not recommend a better mortgage broker!
7 months ago
Christian
Great service and independent advise one again and our 3rd remortgage with Nottinghammoneyman. Found us a great option once again and a mortgage offer recieved very quickly. Would strongly recommend to anyone.
7 months ago
Abigail
I've used these Mortgage Brokers since I purchased my first house. I have renewed my mortgage with them twice since, it's helpful that they send you a reminder to discuss options 6 months before the renewal. Conor Longthorn who helped me with...
8 months ago
Anonymous
The staff (Matt and Lewis) were really helpful at every stage and got me a mortgage without much hassle at all.
8 months ago
E
Brilliant service from Paula Milner and Malcolm! If you have a particularly complex case as mine was this is the team whose hands you want to be in. Paula has the patience of a saint and handled the ups and downs of this process with empathy and...
8 months ago
Anna
Have dealt with this company for a few years now. Always seems hassle free and straight forward. Very good communication via email and phone appointments. Will continue to use and recommend 👍
9 months ago
Mr Christopher
Was very helpful and couldn’t thank enough
9 months ago
Dylan
Can’t thank Leo from Nottingham Money Man enough, with us every step of the way answering all the questions us as first time buyers had and helping with organising solicitors and lift insurance, can’t recommend this gent enough.
9 months ago
Tom
Charlie and Lizzi were always quick to respond whenever we got in touch and never failed to be helpful with all of our queries and requests.
10 months ago
James
This was my third mortgage with Nottinghammoneyman and they were excellent as always. There were lots of issues with the lender and they took the stress off by chasing them for me a lot.
11 months ago
Maggie
Both Dinah and Jo were great,friendly patient when answering my questions and throughly professional at all times. I am a first time buyer so knew nothing of the process involved. So thank you Dinah and Jo you couldn't have made it any easier for me
1 year ago
Emma
Malcolm was very patient, with me taking a long time to choose a property and with me being very indecisive. He support me through the whole thing and was always at the other end of the phone for any question or support!
1 year ago
Shaun
Listened, advised well and very efficient. Excellent
1 year ago
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.
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.
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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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