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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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64 5 Star Reviews
joe Christopher
Cannot rate Leo, Louise & Paula enough for their support and guidance during the process. Highly recommend!
16 Mar 2026
Cheryl Mitchell
We had an outstanding experience with Leeds Money Man during our house buying process. From the very beginning, their team was professional, friendly, and incredibly knowledgeable. Buying a home can be stressful and overwhelming, but they made the entire process feel smooth and manageable. They truly took care of everything for us — guiding us step by step, explaining things clearly, and always making sure we understood what was happening. Communication was excellent throughout; they were always quick to respond, proactive with updates, and on top of every detail. It gave us real peace of mind knowing that everything was being handled so efficiently. What stood out most was how supportive and attentive they were. Nothing ever felt like too much trouble, and they genuinely cared about helping us secure the right mortgage and complete our purchase successfully. We’re so grateful for all their hard work and would absolutely recommend Leeds Money Man to anyone looking for mortgage advice or help with buying a home. Their expertise and dedication made a huge difference to our experience.
6 Mar 2026
Chris Weed
Jason Loft and the team once again showing their expertise in securing mortgages. Very supportive and great communication. Would highly recommend.
26 Feb 2026
Alice Ainsworth
Dinah was fantastic throughout our whole process. Really, we have been speaking on and off for about 4 months until we eventually felt ready and out an offer in on the property we're buying. She answered all of our questions, no matter how silly they seemed and made the process a lot less stressful with us being first time buyers. She gave advice related to not just our mortgage but all the protection as well as making offers, questions to ask estate agents and explaining the whole buying process. Joe then helped us with the actual mortgage application who was also super helpful and luckily everything went through very quickly! We'd highly recommend MoneyMan and I'm sure we'll be using them in the future.
19 Feb 2026
Charlotte Tilstone
Yet again great experience with the money man mortgage brokers. Daniel was brilliant throughout the process. Professional, quick turnarounds and the outcome we wanted. Literally took all the hassle away from finding a mortgage, helpful for two busy full time working professionals. We will be using Daniel again!
8 Aug 2025
Kyle Brook
Amazing service from the team at Leedsmoneyman. Was recommended them by a work colleague a couple of years ago and their support throughout our First-Time purchase was world class. Always willing to answer any question, no matter how trivial. Dinah was a star helping us with the initial stages and mortgage application, and Debbie kept us informed well up to completion. Would highly recommend for FTBer's and Experienced buyers alike.
15 Apr 2025
Rosie Ellis
As first-time buyers we've had a great experience with UK Money Man, especially with Jason Loft + Stacey Moss. They have been so helpful and really explained everything in detail and made the whole mortgage process feel very stress-free with no pressure either. They have been very speedy and kept us updated with everything we needed to know. For such a big and scary process as first-time buyers they have made things much easier + we'd highly recommend!
24 Mar 2025
Megan Lama
I recommend Leedsmoneyman and their services. I came to moneyman to buy my first home and had nothing but positive experiences with every member of the team, from getting my mortgage in principal, to sorting my protection insurance cover and right up until completion. Jason went above and beyond to answer all my questions from the very start, and gave me so many mortgage options and advise - even at times when I could only assume was outside of normal office hours. I was also later assisted by Amy and Louise who again, made sure all my queries were handled quickly and professionally. All three made the scary and confusing process of buying a home so much easier so thank you so much!
17 Mar 2025
Phoebe Tipping
Matt was very good at explaining things to first time buyers, would highly recommend
18 Nov 2024
Joseph Brian
I was very pleased with the professionalism, quick responses and good communication of Dinah and Louise. They made my remortgaging experience a smooth ride as I had to deal with Help to buy loan. I am self employed so the lander wanted lots of documents (a year worth of weekly payslips). They also assisted in getting my life insurance and income protection plan at a very good monthly rates.
13 Oct 2024
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.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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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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