CCJ Mortgage Expert has been specialising in mortgages for people who have CCJs or defaults since 2009. Rather than waiting years for your CCJ or default to be removed from your credit file, it is possible to obtain a mortgage that’s right for you.

Whether you prefer a chat over the phone or a face-to-face meeting over a cup of tea or coffee, we can answer your many questions and give you the help you need to move forwards.

About Us

The UK’s leading CCJ Mortgage Experts

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Founded by experienced Mortgage Broker Ryan Radford in 2009, CCJ Mortgage Expert was built to help aspiring homeowners and home movers overcome challenging situations to achieve their lifelong dreams. Since the credit crunch, lenders have been operating strict criteria, so it’s understandable why many people presume their chances of obtaining a mortgage or remortgage are slim, especially if they have bad credit. Our goal is to help prospective homeowners open doors to exciting opportunities. So whether you’re suffering from a CCJ, default, IVA low credit score or a series of missed repayments, we can provide unbiased, honest advice that’s completely free. CCJ can unlock doors to specialist lenders who will look beyond your credit rating and consider your personal circumstances.

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Based in the heart of Luton, we advise customers when and how best to prepare for a mortgage when the time comes. Too many people delay their dream of buying their first property, moving house or remortgaging their current home purely because banks and high street lenders are quick to refuse, but there are many highly regarded specialist lenders, catering specifically for people who have faced difficult life events.

Unlocking bad credit mortgages

With access to the whole of the mortgage market and a deep understanding on bad credit mortgages and CCJs, we’re best placed to talk you through your options and help you find the right deal. In addition to providing step-by-step guidance, we can also complete the application, submit the paperwork and manage the complete process on your behalf, reducing your stress levels and reigniting your exciting journey of buying a new home. Having helped many people with satisfied and unsatisfied CCJs, we love nothing more than helping people take control of their finances and overcome tricky scenarios to secure excellent deals on their ideal homes.


To learn more about us and how we can help you, please call CCJ Mortgage Expert today
on 01582 405010,
or send us a message and we’ll be back in touch as soon as possible.