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A County Court Judgment (CCJ) in Derby is a legal order issued against an individual who has failed to repay a debt.
It serves as confirmation that the debt remains unpaid and that legal action has been taken by the creditor.
A CCJ is recorded on your credit file and can remain there for six years, potentially affecting your ability to borrow money or secure a mortgage.
However, it is possible to rebuild your financial profile after receiving a CCJ.
With tailored mortgage advice in Derby, you can explore opportunities to secure a mortgage despite this financial hurdle.
Yes, obtaining mortgages with CCJ in Derby is possible, although it may require more effort and expertise.
Some lenders are willing to consider applicants with CCJs, particularly if the debt has been repaid or the CCJ was issued some time ago.
These lenders assess the details of your financial situation, including your current affordability, the age of the CCJ, and the amount owed.
A mortgage broker in Derby like us, can identify lenders who specialise in cases like yours and help you navigate the process, increasing your chances of success.
There are several mortgage options available for those with a CCJ in Derby.
These include standard residential mortgages, buy-to-let mortgages, and in some cases, specialist bad credit mortgages.
Some lenders may require a larger deposit or charge higher interest rates to offset the perceived risk.
If your CCJ is older or has been satisfied, you may access better deals.
With the help from a mortgage advisor in Derby, you can find the most suitable lender and product to match your circumstances, helping you move forward with confidence.
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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Joseph Harros
As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.
29 Oct 2026
Jade Wilmot
As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
29 Oct 2026
Diane A
First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home
28 Oct 2026
Chloe Gathergood
Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
23 Oct 2026
Rebecca Joy
Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
15 Oct 2026
Callum Kennedy
Very helpful and informative. Made the process as easy as possible. Would recommend to other
14 Oct 2026
Barry Hall
I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
14 Oct 2026
Megan Whitlock
The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
14 Oct 2026
Linda Chadwick
Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
14 Oct 2026
Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 2026
Your journey begins with a no-obligation, free initial mortgage appointment. During this session, a knowledgeable mortgage advisor in Derby will assess your financial circumstances, review the details of your CCJ, and discuss your goals.
This personalised approach helps us understand your situation and recommend the most suitable options for your unique needs.
We’ll review their criteria, available products, and any associated costs, ensuring you’re presented with options that align with your financial goals.
Our access to specialist lenders means we can identify opportunities that might otherwise be unavailable to you.
Once we’ve identified the right lender and mortgage product, we’ll handle the application process on your behalf.
This includes completing paperwork, liaising with the lender, and addressing any additional requirements.
Our team’s expertise ensures the process is efficient, giving you the best chance of securing approval.
Once your application is approved, we’ll confirm your new mortgage terms and guide you through the final steps.
Whether you’re buying your first home, moving, or remortgaging, our goal is to ensure a smooth transition to your new mortgage.
With our support, you can focus on your future, knowing your mortgage is in safe hands.
We offer a no-obligation, free initial mortgage appointment designed to understand your unique financial circumstances and the details of your CCJ. Our personalised approach ensures we can identify the most suitable mortgage solutions for your situation. You’ll leave the session with clear guidance and the confidence to move forward.
Our extensive knowledge of the market allows us to connect you with specialist lenders who offer mortgages with CCJ in Derby. These lenders are more flexible when assessing applicants with adverse credit histories, giving you access to deals that mainstream lenders may not provide. We compare your options to find the most suitable and competitive product for your needs.
From your initial enquiry to securing your mortgage deal, we’re with you throughout the entire process. We handle the paperwork, liaise directly with lenders, and ensure everything runs smoothly. With our professional support, you can focus on your future while we take care of the complexities of your mortgage.
We understand that life can be busy, which is why our team is available seven days a week. Whether you need advice in the evenings or over the weekend, we’re here to provide expert mortgage advice in Derby at a time that suits you. Our flexible availability ensures you receive the support you need, when you need it.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Derbymoneyman 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.
© Derbymoneyman 2009–2026
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Derbymoneyman 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.
© Derbymoneyman 2009–2026
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