🏆 Award-Winning Bad Credit Specialist · FCA No. 301173
CCJ Mortgage Broker UK
Darryl Dhoffer
CeMAP · CeRER · FCA 301173 · ⭐ 51 Reviews
"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."
Satisfied or unsatisfied CCJ — Darryl Dhoffer helps clients across the whole of the UK secure mortgages when high street banks say no. Free quote. No obligation. Responds within 2 hours.
Being declined feels personal. It isn't — banks use computers. Darryl uses judgement.
🏆
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⭐⭐⭐⭐⭐ 51 Google Reviews
🏆 Award-Winning
🏦 65+ Lenders
✅ FCA Regulated
📞 01234 237321
📰 Daily Express · The Intermediary · Daily Mirror
CCJ Mortgage Broker — Whole of UK
If you have a County Court Judgment — satisfied or unsatisfied, recent or historic — Darryl Dhoffer can help. As an independent whole-of-market broker, Darryl works with 65+ lenders, including specialist lenders who consider CCJs that high street banks decline automatically through their scoring systems.
Darryl works with clients nationwide, across the whole of the UK, entirely online and over the phone. This page explains how a broker works on a CCJ case. For the detail on lender rules, CCJ age and deposit, and credit score bands, see the full mortgage with a CCJ guide.
The process starts with a free, no-obligation assessment — no credit search, nothing on your file. Darryl reviews your full situation and gives you an honest picture of what is possible before any application is made.
✅ Debt Situations We Help With
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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.
🏦 Specialist Lenders Darryl Works With
🏛️
Bluestone Mortgages
Will accept a maximum of 4 CCJs within the last 3 years. Also considers CCJs registered in the last 12 months with a 25%+ deposit.
🌶️
Pepper Money
Any CCJ must be at least 6 months old (CCJs registered within the last 12 months considered with a 25%+ deposit).
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Vida Homeloans
CCJ must be at least 3 months old; no limit on number if the CCJs are over 6 months old.
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Aldermore
Will consider applicants with any CCJs over 6 months old.
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Kensington Mortgages
Any CCJ must be at least 6 months old.
Criteria changes regularly and varies by individual circumstances — Darryl confirms current criteria at your free assessment.
🧭 How Darryl Handles a CCJ Case
1️⃣
Free assessment
Darryl reviews the CCJ (age, amount, whether it is satisfied), your income, deposit and the rest of your credit profile. No credit search.
2️⃣
Lender matching
He identifies which of the 65+ lenders will consider your specific CCJ and confirms their current criteria before any application.
3️⃣
Packaged application
The case is presented with full context notes so the underwriter sees the whole picture, not just the CCJ.
4️⃣
Through to offer
Darryl monitors the case to mortgage offer. His broker fee is payable on mortgage offer and agreed before any application is made.
❓ CCJ Mortgage Broker FAQs
Do I need a broker for a CCJ mortgage, or can I apply direct to a bank? ›
Most high street banks decline CCJs automatically through their scoring, so a person never reviews the case. A whole-of-market broker has access to specialist lenders that assess CCJs individually, including lenders that are often only available through brokers.
Which lenders accept mortgage applications with a CCJ? ›
Specialist lenders including Bluestone, Pepper Money, Vida, Aldermore and Kensington consider CCJs, each with different rules on how old the CCJ must be and how many you can have. Darryl matches you to the lenders most likely to accept your case and confirms their current criteria first.
How much does a CCJ mortgage broker cost? ›
The initial assessment is free and nothing is payable upfront. Darryl's broker fee is payable on mortgage offer and is agreed before any application is made. The mortgage rate itself is set by the lender and reflects your credit profile whether you use a broker or not.
Can I get a mortgage with a recent or unsatisfied CCJ? ›
Yes, in some cases. Bluestone, Pepper Money and Together Money will consider CCJs registered within the last 12 months with a 25%+ deposit. Satisfying a CCJ generally improves your options. Darryl assesses the age, amount and status of your CCJ before any application.
Will speaking to a broker affect my credit file? ›
No. The free initial assessment involves no credit search, so nothing is added to your file. Darryl checks criteria first so that any application goes only to a lender likely to accept it.
I was declined by my bank because of a CCJ. Can a broker still help? ›
Yes. Being declined by a mainstream bank because of a CCJ is one of the most common reasons clients come to Darryl. Specialist lenders take a manual, individual approach, so a decline from your own bank does not mean a decline everywhere.
⭐ 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
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No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.
📞 01234 237321
✉️ contact@themortgagegeezer.co.uk
🔒 FCA No. 301173
⭐ 51 Five-Star Google Reviews
🏦 Why Use a Specialist CCJ Mortgage Broker
What does a broker do that I can't do myself?
A broker knows which of the 65+ lenders currently accept CCJs, at what age and with what deposit. That criteria changes regularly and is not published on comparison sites. Applying direct to the wrong lender wastes a credit search and can make the next application harder.
Will using a broker affect my credit file?
No. A free initial assessment involves no credit search. Darryl checks lender criteria first so that any application goes only to a lender likely to accept it.
How is this different from your full CCJ mortgage guide?
The CCJ mortgage guide explains lender rules, CCJ age and deposit, and credit score bands in detail. This page explains how a broker works on your case. Use the guide to understand your options and this page to get started.
Lender criteria, rates and deposit requirements quoted on this page are indicative and subject to change without notice. Individual circumstances vary. This page provides general information only and does not constitute regulated financial advice. The Mortgage Geezer is a trading style of Access Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 301173. Registered in England No. 04427489. Registered office address Access Financial Services Ltd, Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.