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A County Court Judgment, or CCJ, is a legal decision made against an individual who has failed to repay a debt.
It is recorded on your credit file and can make it more difficult to borrow money, including securing a mortgage.
Many lenders consider a CCJ a sign of financial difficulty, which can limit mortgage options.
However, specialist lenders may still consider your application.
As a mortgage broker in Middlesbrough, we work with lenders who assess applicants on a case-by-case basis. Our mortgage advisors in Middlesbrough can help you find lenders willing to consider your circumstances.
Yes, but lenders will look at several factors, including when the CCJ was issued, whether it has been paid, and how much was owed.
Some mortgage providers may require a larger deposit or offer higher interest rates to offset the risk.
Getting mortgage advice in Middlesbrough can be beneficial, as an expert can identify lenders who are more likely to accept applicants with CCJs.
Your mortgage options will depend on the size of your CCJ, whether it has been settled, and your overall financial profile.
Some lenders offer mortgages specifically for applicants with adverse credit, while others have stricter policies.
A mortgage advisor in Middlesbrough can assess your financial situation and help you find a lender that is more likely to approve your application.
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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UKmoneyman helped us to obtain a mortgage.. They are a professional and helpful companywho we would reccomend to anyone seeking a mortgage Regards, Keith & Sandra Mantle
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Just wanted to comment on the experience I have had dealing with uk moneyman for my re mortgage. The team have been excellent throughout, special shout out to Stacy Waudby who has been a pleasure to deal with and has really been pro-active and helpful. I would definitely recommend them to anybody looking for independent mortgage advice
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Ami has been great. She explained everything clearly and answered all of our questions (silly or not). Communication was great, genuinely couldn't recommend this service or our advisor Ami more.
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UK Moneyman have helped with my mortgage and remortgage for many years. Always really helpful and knowledgeable. My latest remortgage was done with Conor, who was great at making sure I was getting not just the best deal, but the right deal for my needs.
22 May 2026
Victor Abrams
I found Warren Bailey to be a very helpful and knowledgeable advisor when I discussed with him the potential options for a retirement mortgage . He had contacted me within a day of my seeking an initial conversation with him , and he reassured me there were lenders out there who would consider a mortgage paid out of pension , despite my own bank nort even talking to me as I was over 70 ! Within a couple days Warren had led me through the onboarding process , had explained what documents were needed and had found me a lender suited to my requirements. An excellent experience, and I would recommend him strongly to people looking for a retirement mortgage, and generally . Victor Abrams
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Julie Brake
We would have given them 20 stars. Both Warren & Lizzi have worked so hard on our behalf, in what has not been the smoothest of circumstances. They have been so professional and kept us updated. Would thoroughly recommend this company. With grateful thanks in getting us our mortgage.
12 May 2026
Abdul khaliq Mayar
I would highly recommend UK Money Man, especially Matthew Collinson and Paula. They have done an amazing job for me from start to finish. My previous mortgage broker got my application declined through TMW, and I was very stressed and worried. When I came to UK Money Man, they completely changed the game for me. Matthew was always helpful, professional, and kept me updated at every stage — even on his day off. That level of service really meant a lot to me. Paula was also fantastic and worked hard on my application. Thanks to their hard work and support, my mortgage was approved. I truly appreciate everything they have done for me and my family. I would definitely recommend Matthew, Paula, and UK Money Man to anyone looking for a reliable and supportive mortgage broker.
11 May 2026
Flc
Amazing company! Used them many times since 2018 and always a high standard of service! Would definitely recommend!
5 May 2026
William Thompson
I would like to say Thankyou to Jonathan and Dan for giving me an easy experience in sorting out my equity release.They were polite,friendly and very professional in their duties,and they made everything as easy as possible for me
29 Apr 2026
Yasir Noori
The team at UK Moneyman, especially Stacey Waudby and Matt Collinson, were fantastic. They have been really helpful throughout the process and in keeping me in the loop, with any update regarding the application
16 Apr 2026
The first step is to speak with one of our mortgage advisors in Middlesbrough, who will review your financial circumstances and discuss your mortgage options.
We will assess your CCJ history and explore the lenders most likely to approve your application.
As a mortgage broker in Middlesbrough, we compare different lenders to identify those who are more likely to accept your application.
Each lender has their own CCJ criteria, and we focus on those most suited to your financial profile.
We help you gather all the necessary documents, such as proof of income, credit reports, and bank statements, to ensure your application is as strong as possible.
Having a complete and well-prepared application increases your chances of approval.
Once your mortgage has been approved, we will guide you through to completion, handling the final details to ensure a smooth and stress-free process.
We keep you informed at every stage, making sure you fully understand the next steps.
As a mortgage broker in Middlesbrough, we have extensive experience in securing mortgages for those with CCJs.
Some lenders automatically reject applicants with CCJs, but we work with lenders who take a more flexible approach, improving your chances of success.
Our mortgage advisors in Middlesbrough take the time to understand your situation and match you with lenders suited to your needs.
Whether your CCJ is recent or several years old, we can guide you through the most suitable options available.
We work with high street banks and specialist mortgage providers, increasing your chances of finding a suitable lender.
Some lenders only work with brokers, so using our services gives you access to exclusive mortgage deals.
We handle the entire process, from finding the right lender to preparing your application.
Submitting incorrect or incomplete paperwork can lead to delays or rejection.
We ensure your application is properly structured, reducing the risk of unnecessary setbacks.
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Middlesbroughmoneyman 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.
© Middlesbroughmoneyman 2009–2026
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Middlesbroughmoneyman 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.
© Middlesbroughmoneyman 2009–2026
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