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A County Court Judgment, or CCJ, is a legal ruling issued when someone fails to repay a debt.
Once recorded on your credit file, it can make borrowing more difficult.
Many lenders see a CCJ as a sign of financial risk, but that does not mean getting a mortgage is out of reach.
As a mortgage broker, we specialise in helping people with CCJs find lenders who are more flexible.
Our mortgage advisors in Leeds can assess your situation and find the right mortgage for you.
Yes, but it depends on factors such as when the CCJ was issued, the amount owed, and whether it has been settled.
Some lenders will require a larger deposit or apply higher interest rates.
Getting mortgage advice in Leeds can make all the difference, as an expert can guide you towards lenders who are more likely to approve applications from those with CCJs.
Your options will depend on the details of your CCJ and your overall financial situation.
Some lenders specialise in bad credit mortgages, while others may require the CCJ to be older or fully settled.
Our mortgage advisor in Leeds can assess your circumstances and find the most suitable lender for your needs.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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4.98 Rating282 Reviews
Carol
Excellent service. Great communication, always available even outside of office hours staff very friendly and helpful. Very efficient and offered great advice. Would highly recommend them.
1 day ago
Michelle
Leo was amazing and found a great deal for me which met all my requirements. I would 100% recommend.
2 weeks ago
Joseph
Leo & his team have been very helpful and explained everything in great detail so I could understand. 100% recommend!
3 months ago
Luke
Malcolm, Louise, and team were great - helped me with a slightly more complex situation and were on hand every step of the way. Great service and would definiitely recommend!
3 months ago
Satvinder
They have been responsive, profesional and commmitted from the start of the first conversation. I would recommend them to anyone wants a highly personal service with real expertise in the mrket.
3 months ago
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Both Dinah and Lewis were super helpful when I was applying for my mortgage. They gave clear and easy to understand advice and kept me updated on the process. Would definitely recommend.
4 months ago
Joe
Fantastic service. I dealt with Charlie 5 years ago for my first mortgage and Dan again for my remortgage recently. Always on the ball, friendly and knowledgeable.
4 months ago
Connor
Excellent service. Have responded instantly to any of my emails and questions and helped guide someone who knows absolutely nothing through the whole process. Despite having a tricky scenario other lenders denied they got me sorted out far quicker...
6 months ago
Luke
Malcolm, Stacey & Team were fantastic throughout the process. Their communication is clear, friendly, and they provide regular updates during a stressful period. The application was dealt with professionally and I would definitely recommend their...
6 months ago
Anonymous
Helpful and knowledgable.
6 months ago
Kirk
Used Leeds moneyman a couple of times now. Service levels have been great each time, securing a good rate and helping me through the process. The fee is worth every penny and I wont hesitate to use them again in the future. Thanks for Chris, Jo and...
7 months ago
Mr Devmith
Daniel was very knowledgeable, friendly and took the time to speak with me and take my point of view into consideration as well. Definitely a return customer!
7 months ago
Joan
Great service
8 months ago
Anonymous
Great company, I have been working with them across many years fo me two properties (a residential mortgage and a buy-to-let), remortgaging many times and always getting sensible advice. In the end they save you a lot of money and time.
8 months ago
Anonymous
Really listened and understood what I needed from my insurance, and did a good job finding something aligned with my price point. I felt they had an in-depth understanding of the market, and used this information to provide me with a tailored...
8 months ago
Mr James
Daniel was brilliant start to finish. Professional, thorough and most of all very patient and accommodating. Reassured me all the way and ensured I'll 100% be using his services again. I hope his hard work is appreciated in the company, thanks very...
9 months ago
Kelly
Best company to use!! Tom and stacey have been amazing! Has a first time buyer I wasn't sure of much of the mortgage process. Tom explained everything to me in terms I would understand and has been great in keeping me up to date. Stacey has carried...
9 months ago
Anna
Chris has been absolutely fantastic walking us through the process of buying our home as clueless first time buyers! All questions were answered promptly and we were able to have evening meetings with him to work around our working hours. Chris has...
9 months ago
James
Extremely helpful and informative
9 months ago
Anonymous
Answered all my questions and very worry free
9 months ago
The first step is to speak with one of our mortgage advisors in Leeds, who will take the time to understand your financial situation and mortgage goals.
We will ask about your CCJ, income, and overall financial background to get a full picture of your circumstances.
By understanding your situation upfront, we can find lenders that are more likely to approve your application, saving you time and unnecessary credit checks.
As a mortgage broker in Leeds, we compare lenders and identify those who are more likely to accept your application, ensuring you do not waste time on unsuitable options.
Different lenders have different criteria, and some are more flexible than others when it comes to CCJs.
We focus on finding lenders that align with your financial profile, helping you secure the most suitable mortgage deal.
We help you gather the necessary documents, such as proof of income, credit reports, and bank statements, ensuring your application is as strong as possible.
Lenders will look at your financial stability as well as your CCJ history, so it’s important to present your case correctly.
We ensure all required paperwork is in order, reducing the likelihood of delays or rejections due to missing information.
Once your mortgage has been approved, we will guide you through to completion, ensuring that everything goes smoothly.
This includes liaising with the lender, solicitors, and any other relevant parties to finalise the mortgage.
We will keep you updated throughout the process, answering any questions you may have and making sure you fully understand each step.
As a mortgage broker in Leeds, we have extensive experience in securing mortgages for those with CCJs.
Many high street banks have strict lending criteria, which can make it difficult to find a suitable mortgage if you have a CCJ.
We work with lenders who take a more flexible approach, assessing applications based on individual circumstances rather than just a credit score.
Our mortgage advisors in Leeds take the time to understand your circumstances and recommend lenders suited to your needs.
Every applicant’s situation is different, so we focus on finding solutions that fit your specific financial background.
Whether your CCJ is recent or from several years ago, we can identify the lenders most likely to accept your application.
We work with high street banks and specialist lenders, giving you access to more mortgage options.
Many lenders do not openly advertise their criteria for CCJ applicants, which can make searching for a mortgage challenging.
By working with us, you gain access to lenders who are willing to consider CCJ applications, some of whom are only available through brokers.
We manage the entire process for you, ensuring everything is in place for a successful application.
Submitting an incomplete or inaccurate application can result in delays or even rejection.
We help you gather all necessary paperwork, check your eligibility before applying, and liaise with the lender on your behalf, reducing stress and improving your chances of success.
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Leedsmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Leedsmoneyman 2009–2026
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Leedsmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Leedsmoneyman 2009–2026
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