Having both a CCJ and defaults on your credit file is more common than you think — and more manageable than most brokers suggest. Specialist lenders assess the full picture.
When you have both a CCJ and defaults, specialist lenders look at the total picture rather than each item individually. Pepper Money is the most widely used lender for combined adverse cases — they assess each application on its merits with no automatic scoring. Together Money is the next option for particularly complex combinations.
All broker-only — not available direct to public. Criteria correct June 2026.
Pay off — satisfy — any outstanding CCJs or defaults where possible. Even paying a very old CCJ a few months before application can shift it into a better lender tier. Get your full credit report from Checkmyfile (all three agencies) before speaking to any lender or broker.
Yes significantly. Both CCJs and defaults are assessed from their registration date, not from when the underlying debt problem began. A default registered in 2020 is now 6 years old and will drop off your file — check the exact date.
Yes but it is more complex. Pepper Money and Together Money have criteria for exactly this combination. The unsatisfied default will require a larger deposit and result in a higher rate than if all adverse events were satisfied.
Yes. A covering note from your broker to the underwriter explaining the circumstances of the CCJ — particularly for small disputed amounts — can positively influence the underwriter's decision. This is part of how Darryl packages applications.
CeMAP and CeRER qualified independent mortgage broker. FCA regulated — No. 301173. Based in Bedford, serving clients across the UK since 2015. Specialises in adverse credit, complex income and specialist mortgage cases. Every client works directly with Darryl — no handoffs, no call centres.
Your home may be repossessed if you do not keep up repayments on your mortgage. Darryl Dhoffer is an appointed representative of Access Financial Services Ltd, authorised and regulated by the Financial Conduct Authority — FCA No. 301173. Registered England No. 04427489. General information only — not regulated financial advice.
Free, no-obligation call. No credit check. Darryl responds personally within 2 hours Mon–Fri 9am–6pm.