🏆 Award-Winning UK Bad Credit Specialist · FCA No. 301173
CCJ Mortgage UK — Yes, It's Possible
A County Court Judgment does not have to stop you getting a mortgage. Darryl Dhoffer is the UK's award-winning CCJ mortgage specialist — he knows exactly which lenders will consider your situation and at what rates.
⭐⭐⭐⭐⭐ 43 Google Reviews
🏆 Award-Winning Broker
🏦 90+ Lenders
📞 01234 237321
✅ FCA Regulated
CCJ Mortgages — What You Actually Need to Know
Banks and high street lenders often decline automatically when they see a CCJ. Specialist lenders don't. They look at the full picture — how old the CCJ is, the amount, whether it's satisfied, and the rest of your financial profile.
Darryl Dhoffer has arranged mortgages for clients with CCJs ranging from very recent to several years old, satisfied and unsatisfied, large and small. He knows exactly which of his 90+ lenders will consider each scenario and how to present your case to maximise your chances of approval at the best available rate.
The first step is a free, no-obligation assessment where Darryl reviews your full situation and gives you an honest picture of what's possible — before any application is made and before anything touches your credit file.
✅ Bad Credit We Specialise In
⚖️
CCJs
County Court Judgments — satisfied or unsatisfied, recent or historic. We know which lenders look past them.
📋
Defaults
Single or multiple defaults across telecoms, utilities, credit cards or loans. Age and amount matter — we know how.
📑
IVA / DMP
Currently in or recently completed an IVA or Debt Management Plan. Options exist — we'll find them.
💸
Missed Payments
Late or missed payments on mortgage, loans or credit cards. Context matters more than the mark itself.
🏚️
Repossession
Previous property repossession. Specialist lenders will consider this — timeline and deposit are key.
📉
Bankruptcy
Discharged bankruptcy. Many clients are surprised what's possible even shortly after discharge.
Darryl Dhoffer — The Mortgage Geezer
20+ years in mortgages. Award-winning specialist. I've helped hundreds of people across the UK who were told "no" by their bank — first-time buyers, remortgagers, landlords and homeowners with every type of adverse credit history.
I work with 90+ lenders including specialist adverse credit lenders that don't appear on comparison sites. I don't just find you a mortgage — I find you the best mortgage your situation allows, and I create a plan to improve your options at every future remortgage.
CeMAP QUALIFIED
CeRER QUALIFIED
FCA NO. 301173
AWARD WINNING
FEATURED: DAILY EXPRESS
FEATURED: FT ADVISER
💬 What Clients Say
★★★★★
"Darryl was absolutely amazing from the first phone-call to the very quick mortgage offer! As first-time buyers who weren't even sure we could get a mortgage, this actually feels like nothing short of a miracle!"
Kate Dalton — First-Time Buyer
★★★★★
"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 going to be a tricky case, he immediately put my nerves at ease. Within a few weeks he had secured us a deal."
Hayley Beale — Complex Case
❓ Frequently Asked Questions
Can I get a mortgage with a CCJ in the UK? ›
Yes. A CCJ does not automatically prevent you from getting a mortgage in the UK. The key factors are how old the CCJ is, the amount, and whether it has been satisfied (paid off). Many specialist lenders will consider CCJs that are 12 months or older, and after 3 years your options increase significantly. Darryl Dhoffer specialises in CCJ mortgages and knows exactly which lenders will consider your specific situation.
How old does a CCJ need to be to get a mortgage? ›
Some specialist lenders will consider CCJs from as recent as 12 months ago. After 2-3 years, more options become available. After 6 years the CCJ drops off your credit file entirely. The key factor alongside age is whether the CCJ has been satisfied — a paid-off CCJ is viewed much more favourably than an outstanding one.
Do I need to pay off my CCJ before getting a mortgage? ›
Not necessarily, but satisfying your CCJ significantly improves your options. Some lenders require satisfaction before they will lend; others will consider unsatisfied CCJs depending on the age and amount. Darryl will advise on whether settling your CCJ before applying makes financial sense for your specific situation.
What deposit do I need for a CCJ mortgage? ›
Most specialist CCJ lenders want at least 10-15% deposit, though this depends heavily on the age and amount of the CCJ. With a 25% deposit your options improve significantly. Darryl has secured CCJ mortgages with smaller deposits in cases where the CCJ is old, small or satisfied.
Will a CCJ mortgage cost me more? ›
CCJ mortgages typically carry slightly higher interest rates reflecting the lender's perception of risk. However, the difference is often smaller than people expect — and as your credit improves and the CCJ ages, you can remortgage onto better rates. Darryl will show you the best available rate for your CCJ situation and create a plan for future improvement.
Ready to Find Out What's Possible?
Free assessment. No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.
📞 01234 237321
✉️ darryl@themortgagegeezer.co.uk
🔒 FCA No. 301173
⭐ 43 Five-Star Reviews
The Mortgage Geezer is a trading style of Access Financial Services Limited, authorised and regulated by the Financial Conduct Authority — FCA No. 301173. Registered in England No. 04427489. Your home may be repossessed if you do not keep up repayments on a mortgage.
← Back to The Mortgage Geezer