Case Study: Overcoming a CCJ to Secure a Mortgage

Many homeowners believe that having a County Court Judgment (CCJ) on their credit file means they can’t move house or will be forced into an expensive, high-interest mortgage.

At J Finance, we know that’s not always the case. While some brokers go straight to adverse credit lenders with higher rates, we explore all options, including smaller building societies that take a more personalised approach to lending.

Here’s how we helped a home mover with a CCJ secure a competitive mortgage deal—saving them thousands in interest compared to the rate another broker suggested.

Client Profile

  • Name: Rachel & Tom (Home Movers)

  • Situation: Wanted to move home but had a CCJ on their credit file.

  • Challenge: Other brokers only offered them high-interest mortgages from adverse credit lenders.

The Problem

Rachel and Tom had outgrown their current home and wanted to move to a larger property closer to family. However, when they applied for a mortgage, they hit a roadblock.

🔴 Rachel had a CCJ from a disputed mobile phone contract two years ago.
🔴 Lenders were offering high rates – The first broker they spoke to could only secure rates of 6.5%+ from adverse credit lenders.
🔴 They thought they couldn’t afford to move – The high rates meant repayments would be unaffordable.

Frustrated and ready to give up, they contacted J Finance for a second opinion.

The Solution: Finding the Right Lender

Rather than defaulting to specialist adverse credit lenders, we searched the whole market, including smaller regional building societies known for more flexible lending criteria.

After assessing Rachel and Tom’s situation, we found a smaller building society that:

✔️ Considered CCJs on a case-by-case basis – Rather than rejecting outright.
✔️ Accepted the CCJ because it was over 12 months old and under £1,000.
✔️ Didn’t automatically apply ‘adverse credit’ rates – Unlike mainstream banks and high-risk lenders.
✔️ Offered a much lower interest rate than adverse lenders.

New Mortgage Offer Secured

  • Property Price: £400,000

  • Mortgage Secured: £320,000 (80% LTV)

  • Interest Rate: Just over 5% (compared to 6.5%+ from other brokers!)

  • Term: 30 years

  • Lender: A regional building society offering flexible underwriting

By thinking outside the box and working with a lender that assessed applications individually, we secured a far better deal than they originally thought possible.

The Result

✔️ Rachel & Tom Bought Their Dream Home – They could afford the house they wanted.
✔️ Saved Thousands in Interest – A lower rate meant they saved over £10,000 in interest over five years.
✔️ Avoided High-Risk Lenders – They didn’t have to settle for expensive adverse credit mortgage deals.
✔️ Stress-Free Process – We handled everything from lender negotiations to paperwork.

How J Finance Helped

✅ Explored the Whole Market – We looked beyond high-street banks and adverse lenders.
✅ Matched Them with the Right Lender – A smaller building society, not a high-rate adverse lender.
✅ Secured a Competitive Rate – Saving them thousands over the mortgage term.
✅ Guided Them Through the Process – Ensuring a smooth mortgage approval, despite the CCJ.

Think You Can’t Move Because of a CCJ? Think Again!

If you have a CCJ or past credit issues, don’t assume you’re limited to high-interest specialist lenders. Many smaller building societies offer fairer, more flexible mortgage options—you just need a broker who knows where to look!

At J Finance, we specialise in finding the right mortgage solution for home movers with imperfect credit histories—without automatically resorting to high-rate lenders.

📞 Call us today for a free consultation.
📩 Book an appointment to explore your mortgage options.

Don’t let a CCJ hold you back—J Finance can help you move home with a competitive mortgage!