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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.
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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.
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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.
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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
2 months 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!
2 months ago
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Listened, advised well and very efficient. Excellent
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Anonymous
Very friendly and efficient service
3 months ago
Benjamin
All ways out standing all ways there to help and find a very good deal 5 star service every time
3 months ago
Callum
Fantastic communication from everyone. Helpful and supportive at every step, couldn't ask for more.
3 months ago
Tracie-ann
Great customer service. Replied to all my queries quickly and efficiently
4 months ago
Margaret
Charlie Bryson and Stacey Moss have been fabulous. Charlie's knowledge as a broker is amazing secured me a mortgage at 61 and a first time buyer I was so nervous Charlie and Stacey have been so friendly and kind keeping in contact at every step of...
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Joseph
Excellent service
4 months ago
Craig
Service, advice and support has been outstanding, Friendly and knowledgeable, always happy to help, not only for our mortgage but other services too. Would recommend their service to anyone.
4 months ago
Peter
Very professional, friendly and extremely fast & efficient service, would highly recommend!!!
4 months ago
Priscilla
Charlie always makes the process painless with his efficiency and knowledge. Would definitely recommend.
4 months ago
Gabriel
The Nottingham moneyman team have been fantastic. Our house buying process was far lengthier and more complicated than we had expected but they were there every step of the way. Very responsive and always helpful. Would definitely recommend them to...
6 months ago
Jessica
My dedicated advisors, Charlie and Jo, have been absolutely fantastic in helping me to navigate the very stressful task of purchasing my first home. Many thanks to both
7 months ago
Dave
Quick and efficient service, Charlie very nice to deal with and gave clear advice. Debbie was diligent, friendly and clear. Appreciate the assistance with securing a mortgage at a reasonably tricky time for borrowing.
7 months ago
Andrew
Would recommend this company. Good service.
7 months ago
Anonymous
Dealt with everything very efficiently and sorted out a minor issue very quickly. Good communications.
8 months ago
Mr James
3rd mortgage I've got through Chris and the team! 10/10 will use again.
8 months ago
Yes, applying for a mortgage with a CCJ in Nottingham is possible, but it depends on your personal financial situation.
Lenders will assess the value of the CCJ, how long ago it was registered, and whether you have settled the debt.
If the CCJ is recent or unpaid, you might face stricter criteria.
Some lenders require larger deposits, and interest rates may be higher.
The more time that has passed since your CCJ and the more stable your finances have become, the more likely it is that a lender will consider your application.
A CCJ remains on your credit file for six years from the date it was issued, regardless of whether it has been paid off.
If it is paid within 30 days, you can request its removal from your file.
After six years, the CCJ disappears from your credit report, but lenders may still ask whether you have ever had one when you apply for a mortgage with a CCJ in Nottingham, so it is important to be upfront when discussing your financial history.
In most cases, yes. Lenders typically ask for a larger deposit when offering mortgages to applicants with a CCJ.
A standard deposit might be 5 or 10 percent, but with a CCJ, you could be asked to provide 15 percent or more.
Offering a higher deposit helps reduce the lender’s risk, which can also improve the range of mortgage products available to you.
Yes, settling your CCJ can improve your mortgage prospects.
Lenders prefer applications where the CCJ has been paid, as this shows you have taken responsibility for the debt.
Although the CCJ remains on your file for six years, paying it off can make lenders more comfortable in considering your application, particularly if you can show financial stability since the settlement.
It is still possible to get a Mortgage with a CCJ in Nottingham if you have more than one CCJ, but it may limit your options.
Lenders will assess the number of CCJs, the amounts involved, how recent they are, and whether they have been settled.
The more time that has passed and the more steps you have taken to improve your financial situation, the more likely you are to find a lender who will consider your application.
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 best 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 best possible 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.
Lenders look at when your CCJ was issued, how large the debt was, and whether it has been paid.
Older, smaller CCJs that have been settled are often viewed more favourably than recent or ongoing ones.
The overall picture of your financial stability, including your income and other debts, will also play a part in whether your application is approved.
A CCJ will impact your credit score, but lenders do not base decisions on that alone.
They will also review your wider financial behaviour, including how you have managed repayments since the CCJ, whether you have reduced debts, and how responsibly you have handled credit accounts.
A stronger credit score following a CCJ can help improve your chances of success.
Lenders typically expect higher deposits from applicants with a CCJ.
This helps lower their risk and can also give you access to more competitive mortgage products.
A deposit of at least 15 percent is common, and your interest rate may also be higher than standard deals to reflect the increased risk.
A larger deposit and evidence of good financial management can help offset these higher costs.
It is not always obvious which lenders accept CCJ applications, as many do not openly share their criteria.
As a mortgage broker in Nottingham, we work closely with lenders who are willing to consider CCJ applicants.
Our mortgage advisors in Nottingham can guide you through the process, helping you prepare a strong application and match you with lenders who are likely to say yes.
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Nottinghammoneyman.com & Nottinghammoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Nottinghammoneyman 2025.
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Nottinghammoneyman.com & Nottinghammoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Nottinghammoneyman 2025.
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