Mortgage with CCJ 2015
You may receive a County Court Judgment if someone takes court action against you,saying you owe them money, and you don’t respond. If you receive a Judgment this usually means that the Court has concluded that you owe the other party the money.
Unless you pay the agreed amount within a month then the Judgment could stay on record for up to six years. This will have an adverse effect on your ability to secure a mortgage.
Typically, lenders will not approve a mortgage if the applicant has a negative credit rating or a County Court Judgment.
At Fair Mortgages, we specialise in arranging financial solutions for borrowers with a County Court Judgment that is hindering their ability to get a mortgage.
Unlike traditional lenders who will take a formulaic approach to a borrower’s application, private lenders look at each application individually and focus on whether the applicant can afford the mortgage repayments.
Our CCJ Mortgage Service
Our independent mortgage broker service offers:
- Access to the whole market – we can compare most UK lenders who will deal with bad credit ratings.
- Credit repair mortgages – we can source mortgages that will provide the money you need and help you rebuild your credit rating.
- Finance within a short period of time – contact us today and we can secure the funding you need swiftly.
- Financial solutions for raising additional funding on top of an existing mortgage – If you have an existing mortgage that does not cater for your needs, we can help.

Mortgages from Private Lenders
With a mortgage from a private lender, you will be able to borrow a set amount of finance and make monthly repayments over an agreed period of time.
The major difference between a private lender mortgage and a traditional mortgage is the size of the deposit. To secure a mortgage with a private lender you will be expected to provide a deposit of at least 25% of the property value.
Before a private lender grants a mortgage, they will usually require:
- Proof of income: A number of pay slips will be requested
- Bank statements: You will need to provide a certain amount of bank statements to prove you can afford the monthly repayments.
- Three years' accounts: If you are self-employed, private lenders will request at least three years’ worth of accounts.
How to get a Mortgage from a Private Lender
If you have a County Court Judgment but need a mortgage, call our mortgage team on 0117 313 7780 to discuss your situation or use our Callback form.