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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 best lender for your needs.
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Miss Megan
I came to Moneyman for help with my first home purchase. Jason and the team went above and beyond to answer every question I had, as well as break down every step that I needed to take with care and professionalism. All correspondence was answered...
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Mr Paul
Would highly recommend Leedsmoneyman, have used them every time since securing our mortgage first time around. Lewis Davidson & Daniel Dunning-Hornby have been especially helpful and always on hand when needed
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Always on hand
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Adam
Really quick & helpful
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Arvind
As ever, we've had a great experience. Daniel was patient with all our queries and clear in his response. Thank you.
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Jahanzaib
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Samantha
I've used the twice now and they have been exceptional each time. Have also recommended to friends and family, who have had a great service. Completely smooth and seamless process, friendly staff, great communication. Couldn't ask for more.
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Jahanzaib
Very happy with service and the mortgage deal provided by Leeds moneyman
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Jamie
Chris and Kerry were fantastic, really helpful throughout the whole process. Very friendly and informative. Would highly recommend.
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Amy
Great broker company. Chris and Kerry were amazing. They were always on hand to help us and chased our solicitors and calmed us when things weren’t going the way it should. We can’t thank them enough.
5 months ago
Chris
Jason and Jo were very helpful and supportive all the way through the process. They provided me with great support from a mortgage point of view and a mental health point of view (they answered all my worries in a timely manner). I would 100%...
6 months ago
Anonymous
Excellent service through a rather complicated moving period which involved two changes of house purchase with attendant changes in mortgage requirements. Dan O was able to obtain a later life mortgage where other brokers had failed. He gave...
6 months ago
Mr
Very good service Dinah was great and they keep in touch throughout the whole process
7 months ago
John
Great service received by Jason Loft. He took the time to clearly explain our options and to arrange our new mortgage, making the process a lot easier than doing it ourselves.
8 months ago
Anonymous
A very helpful and efficient service, very impressed with the information provided and the mortgage deal which was found for us. Very good value for money.
8 months ago
Ikra
Great service from Matt. From the very beginning he’s been easily contactable and kept me updated at every stage. He’s gone over and beyond to ensure I’ve got the best chance of securing a good mortgage and I can’t thank him enough.
9 months ago
Megan
Excellent and thorough service. Jason was patient with my many questions and was happy to go through different scenarios to work through what would work best for us in our current situation. Would definitley reccommend.
9 months ago
Rachel
Really impressed with the service, second time we have used these! If I ever wanted to move again, we would definitely use these!
9 months ago
Shaun
Leedsmoneyman have been excellent from start to finish keeping us informed along the way. They make a daunting process as painless as possible. I would recommend to anyone
9 months ago
Valerie
Tom we thank you very much and thanks to Malcolm for putting us in touch with you. We very appreciate all the help and advice for our future 😀 and we will be back to you for any further finance advice. Kind regards Val and Tony Ripley
10 months ago
Yes, obtaining a Mortgage With CCJ in Leeds is possible, but it depends on your financial situation. Lenders will assess the size, age, and settlement status of your CCJ.
Some are stricter than others, while specialist lenders are more flexible.
The older and smaller the CCJ, the better your chances. Some lenders require a larger deposit or may apply higher interest rates to reduce their risk.
A CCJ remains on your credit file for six years from the date it was issued, whether it has been paid or not.
If it is settled within 30 days, you can apply to have it removed.
After six years, the CCJ will no longer appear on your report, but some lenders may still ask about past CCJs when assessing an application for a Mortgage With CCJ in Leeds.
Lenders often ask for a higher deposit when a CCJ is involved.
While some mortgage products require a 5 or 10 percent deposit, those with a CCJ may need to provide 15 percent or more.
The deposit amount depends on factors such as the age and size of the CCJ, your income, and overall credit history.
Yes, paying off your CCJ can improve your mortgage prospects. Lenders prefer settled CCJs, as they show financial responsibility.
Even though a CCJ stays on your credit file for six years, showing financial stability after settling it can make lenders more willing to consider your application.
Having multiple CCJs can make securing a mortgage more difficult, but it is not impossible.
Lenders will consider how recent the CCJs are, whether they have been settled, and their total value.
Some lenders set limits on the number and size of CCJs they will accept, while others take a case-by-case approach.
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 best possible 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.
When applying for a Mortgage With CCJ in Leeds, lenders will assess the risk by looking at when the CCJ was issued, its value, and whether it has been settled.
Generally, the older and smaller the CCJ, the better your chances of securing a mortgage. If the CCJ was issued recently or remains unpaid, fewer lenders may be willing to consider your application.
Lenders also consider the circumstances surrounding your CCJ. If it was due to an isolated financial difficulty rather than repeated missed payments, some lenders may be more lenient.
Specialist lenders tend to take a more flexible approach, while high street banks often have stricter policies. Working with a mortgage broker in Leeds like ourselves can help, as we have access to lenders who consider applications on a case-by-case basis.
Although a CCJ is recorded on your credit file, it is not the only factor lenders assess.
Your overall credit score, repayment history, and existing financial commitments all play a role in the decision-making process.
If you have made consistent repayments on other credit commitments since your CCJ, it can work in your favour.
Improving your credit score before applying for a Mortgage With CCJ in Leeds can increase your chances of approval.
Steps such as registering on the electoral roll, clearing outstanding debts, and avoiding multiple credit applications can make a positive difference.
Lenders want to see financial stability, so keeping up with bills, rent, or existing credit agreements can also help.
When applying for a Mortgage With CCJ in Leeds, the amount of deposit you can provide will directly impact the lenders available to you.
Many high street banks may require at least a 15 percent deposit if you have a CCJ, though some specialist lenders may accept lower deposits.
The higher the deposit, the lower the risk for the lender, which can sometimes result in better mortgage deals.
Interest rates for applicants with a CCJ may be higher than standard rates, reflecting the increased risk lenders perceive.
The exact rate will depend on your financial profile, including your income, credit score, and the size of your deposit.
As a mortgage broker in Leeds, we work with lenders who consider CCJ applicants, helping you find competitive interest rates and deposit requirements that suit your circumstances.
Navigating the mortgage market with a CCJ can be challenging, especially with different lenders having their own criteria.
Some lenders may reject an application outright due to a CCJ, while others are more flexible depending on how recent or large the CCJ is.
As a mortgage broker in Leeds, we understand which lenders are most likely to approve applications from those with CCJs, saving you time and avoiding unnecessary rejections.
Speaking with a mortgage advisor in Leeds means you get tailored advice on improving your chances.
From finding the right lender to helping you prepare a strong application, expert guidance can make a significant difference.
If you are unsure where to start or have already been declined by a lender, getting the right support can put you back on track.
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Leedsmoneyman.com & Leedsmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Leedsmoneyman 2025.
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Leedsmoneyman.com & Leedsmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Leedsmoneyman 2025.
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