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.


We prove each and every day that you do not need to put your dreams on hold, and below are just a few reasons why many prospective homeowners and home movers choose CCJ Mortgage Expert for professional and friendly advice:

  • img description Established in 2009
  • img description Access to the whole of the market
  • img description No obligation advice and absolutely no pressure from us
  • img description A reputation as leading market experts
  • img description Access to lenders who are willing to look beyond unsatisfied CCJs/defaults
  • img description We’ve helped many people suffering from satisfied and unsatisfied CCJs
  • img description A huge number of glowing testimonials
  • img description We’re nominated for industry awards annually
  • img description We save you time, carrying out the checks on your behalf
  • img description We cover the whole of the UK

Don’t let a bad credit rating dictate your future

A bad credit score, a default or a CCJ doesn’t have to end your dream of buying a home, and our highly trained team has secured mortgages for people with the following circumstances:

  • No credit history
  • Late payments
  • Defaults
  • Repossessions
  • Incorrect address listed on credit report
  • Poor credit score
  • Poor bank account conduct
  • CCJs
  • Bankruptcy
  • Not being listed on the electoral roll
  • High volume of credit applications
  • Missed mortgage payments
  • IVAs
  • Payday loan debts

Whether we’re helping people buy their first home, relocate or remortgage at the best possible price, our help and support is completely free. We take the time to learn more about your unique situation, whilst providing access to the whole of market. Even if you have a CCJ that is less than 6 years old, you can potentially be approved for a mortgage with as little as a 5% deposit, with loans from £25,000. We also offer expert advice for people considering Help to Buy schemes, Help to Let schemes and First Time Buyer schemes. If you have CCJs beyond the 6-year period, we may be able to deliver high street interest rates and Right to Buy mortgages with no deposit. As soon as we gain an understanding on your needs, we can check your eligibility quickly and easily, whilst you can read through our many testimonials to see how we’ve helped people in tricky situations come out on top, securing the best possible mortgages.


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.