CCJ Mortgage Broker Durham

Bad Credit Mortgage Specialist Serving Durham

A CCJ doesn't automatically close the door on a mortgage — it just means you need a broker who knows which lenders still open it. That's where Darryl Dhoffer comes in. As an independent broker, he has direct access to 65+ lenders, including a number of specialist names that focus specifically on adverse credit.

He works with clients across Durham and the rest of the UK entirely remotely, so there's no need to travel to meet him — a phone call or video call covers everything.

Darryl's process starts with a free assessment. He'll look at your full situation — the CCJ itself, your income, your deposit — and tell you plainly what's achievable, with no obligation to go any further.

✅ Bad Credit We Help With in Durham

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CCJs

Satisfied or unsatisfied, recent or historic. We know which lenders look past them.

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Defaults

Single or multiple defaults. Age and amount matter — we know which lenders to approach.

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IVA / DMP

Currently in or recently completed an IVA or Debt Management Plan.

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Missed Payments

Late or missed payments on any credit commitment.

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Repossession

Previous property repossession is not necessarily a barrier.

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Bankruptcy

Discharged bankruptcy. Options often exist sooner than people expect.

Free Assessment — Durham & Surrounding Area

No credit search. No obligation. Darryl personally responds within 2 hours.

✅ Thank you! Darryl will be in touch within 2 hours.

❓ Bad Credit Mortgage FAQs — Durham

I've already been turned down by my bank in Durham — is there any point trying again? ›

Definitely. A decline from a high street bank tells you very little, because most of them use automated scoring systems that reject anyone with a CCJ almost instantly, regardless of the circumstances. Specialist lenders work differently — they have underwriters who actually look at the full picture. Plenty of Darryl's clients come to him after being declined elsewhere and still go on to get an offer.

How much deposit will I need if I've got a CCJ? ›

It depends on the lender and on the specifics of the CCJ, but as a general guide, many specialist products sit somewhere in the 15–25% range. Older, smaller, satisfied CCJs tend to sit towards the lower end of that, while more recent or unsatisfied ones usually mean a higher deposit is needed. Darryl will give you a realistic figure once he's seen your full situation rather than a generic estimate.

How long does a CCJ stay on my credit file and affect a mortgage application? ›

A CCJ normally stays on your credit file for six years from the date it was registered, though its impact on mortgage applications tends to fade well before that, especially once it's satisfied. Many lenders are most cautious about CCJs from the last one to two years and become noticeably more flexible after that. Once it drops off your file entirely after six years, it typically has no bearing on a new application.

Does it matter whether my CCJ is satisfied or unsatisfied? ›

Yes, it's one of the first things a specialist lender will look at. A satisfied CCJ — one that's been paid off — is viewed more favourably and tends to open up a wider choice of lenders and rates. An unsatisfied CCJ isn't an automatic block, but it usually narrows the panel and may mean a larger deposit. If you're able to settle it before applying, that's often worth doing.

⭐ What Clients Say

★★★★★

"Excellent service from start to finish. Darryl was extremely responsive throughout, always replying quickly to questions and keeping me updated at every stage. His communication was clear and easy to understand, even with the more technical parts of the mortgage process. Darryl worked hard to find the right options for my situation and made the whole process feel straightforward and stress-free. Would definitely recommend him to anyone looking for a mortgage broker."

Fizz Solmon — Google Review

★★★★★

"Just when I had lost all hope, I found Darryl and within weeks my mortgage was approved. Given my bad credit history, I honestly didn't think any of this would be possible."

Tim Ellis — Bad Credit Mortgage

★★★★★

"After approaching Darryl with what I thought was a tricky case, he immediately put my nerves at ease. Within a few weeks he had secured us a deal."

Hayley Beale — Complex Case

★★★★★

"Darryl was absolutely amazing from the first phone-call to the very quick mortgage offer! This actually feels like nothing short of a miracle!"

Kate Dalton — First-Time Buyer

❓ Common CCJ Mortgage Questions

→ Can you get a mortgage with a CCJ?→ How long does a CCJ affect a mortgage? → Does a CCJ stop you getting a mortgage? → Which high street lenders accept CCJs? → Mortgage with a satisfied CCJ → Case study: 3 CCJs, mortgage approved

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Get Your Free Bad Credit Assessment — Durham

No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.

🚀 Get My Free Quote 💬 WhatsApp Darryl

📞 01234 237321 ✉️ contact@themortgagegeezer.co.uk 🔒 FCA No. 301173 ⭐ 51 Five-Star Google Reviews

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CCJ Mortgage Broker Durham

Bad Credit Mortgage Specialist Serving Durham

✅ Bad Credit We Help With in Durham

Free Assessment — Durham & Surrounding Area

❓ Bad Credit Mortgage FAQs — Durham

⭐ What Clients Say

Get Your Free Bad Credit Assessment — Durham

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