Up until a few years ago you would have faced real difficulty in getting a mortgage if you had a County Court Judgement (CCJ) against your name. It wouldn’t have mattered to lenders if you’d sorted out your problems since and become an affluent and successful member of society, you would have simply been turned down.

Fortunately, times change and the mortgage market has changed with them. A growing number of lenders have realised there is an untapped market of thousands of people who were perfectly able to service a mortgage, but are blocked from the traditional routes due to previous credit problems. 

We are specialists at locating the best mortgage deals for people with CCJs. Our extensive experience in this area, means we can negotiate competitive deals for our clients.  Whatever your situation, simply complete our quick no obligation enquiry form and we'll get back to you with what your options are.

Online credit report service MyCallcredit estimates that as many as 1 in 11 adults in the UK have county court judgments registered against them.  Official figures from The Registry Trust reveal the number of judgments against consumers in 2005 was 573,000, up 7% on the previous year.

A record of a CCJ will remain on your credit file for six years from the date of the judgement. Quite often CCJs can be issued without you even knowing and can be for something as innocuous as missing a catalogue payment. 

If you have CCJs, don't automatically assume you will have to pay high rates of interest. Increasing numbers of traditional lenders are taking on more people with financial difficulties on standard deals. 

The rate of interest you are charged will vary depending on your level of debt and the perceived risk. 

Some lenders divide borrowers into light or heavy adverse risk brackets depending on their level of debt. People who fall in the light category will usually have at most two county court judgments against them, while those in the heavy band will be officially bankrupt.