Our panel of specialist mortgage brokers is here to guide you, offering whole of market advice and, at times, exclusive deals to help you secure a mortgage—even if you have a history of poor credit.
What is an Adverse or Bad Credit – CCJ & Default Mortgage?
An Adverse Credit Mortgage (sometimes called a CCJ & Default mortgage) is designed for borrowers with a history of credit challenges. This can include:
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County Court Judgements (CCJs)
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Bankruptcy
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Mortgage arrears
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Late payments on loans, credit cards, or other credit arrangements
Having a CCJ doesn’t automatically prevent you from getting a mortgage. If a CCJ is paid in full within 30 days, it typically won’t appear on your credit file. Even if it remains unpaid, you may still qualify for a mortgage, though the number of lenders willing to accept your application may be smaller, and interest rates may be higher compared to borrowers with a clean credit history.
Why Specialist Advice Matters
Getting a mortgage with adverse credit can be complex. Our specialist brokers:
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Search across the whole market to find lenders who accept CCJs or defaults
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Help you understand your options and potential interest rates
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Assist in improving your mortgage application and affordability
Plan Ahead with Our Tools
Use our Mortgage Calculator below by clicking on the link to get an idea of potential monthly repayments and understand what is affordable for your circumstances.
Take the Next Step
Even with a CCJ or past defaults, homeownership is possible. Speak to our panel of expert mortgage brokers to explore your options and find competitive rates tailored to your situation.
Frequently asked Q&A's
A CCJ or default mortgage is designed for borrowers with a history of adverse credit, such as County Court Judgements (CCJs), defaults, bankruptcy, or missed payments. These mortgages help people with bad credit secure a home loan.
Yes. While a CCJ or default may limit the number of lenders willing to offer a mortgage, specialist brokers can find bad credit mortgage options and adverse credit lenders that suit your circumstances.
A CCJ can remain on your credit file for six years. If it’s paid within 30 days, it usually won’t impact your credit record. Even if unpaid, mortgages for borrowers with CCJs are possible, though interest rates may be higher.
Yes. Some lenders offer low deposit mortgages for bad credit, but terms vary depending on your credit history. Our brokers can help find lenders that accept small deposits alongside a CCJ or defaults.
It depends on the lender and your overall credit profile. Typically, lenders look for a recovery period after a CCJ or default, but specialist mortgage brokers can advise on your eligibility and the best timing to apply.
Mortgages for people with CCJs or defaults usually carry higher interest rates than standard mortgages. Our adverse credit mortgage brokers can help you compare options to find the most competitive rates available.
Yes. Some lenders offer first-time buyer mortgages for bad credit, often with higher deposits or stricter affordability checks. Expert brokers can help you find suitable options even with past credit challenges.
A specialist broker can:
Access a whole-of-market search to find lenders that accept CCJs or defaults
Advise on improving your mortgage application
Help you understand interest rates, repayment options, and eligibility
Yes. Bad credit re-mortgages are available, though options may be limited. Our brokers can help you refinance or switch lenders to reduce repayments or improve terms.
Absolutely. With the right guidance and specialist advice, you can secure a bad credit mortgage and take steps toward owning your home, even after past credit issues.
A mortgage is a long-term financial commitment and is not suitable for everyone.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Interest rates may be fixed or variable. If you take a variable or tracker mortgage, your repayments could increase if interest rates rise. Changes to your personal circumstances — such as loss of income, illness, or increased living costs — could also affect your ability to meet repayments.
Mortgages often involve additional costs, including arrangement fees, legal fees, valuation fees, early repayment charges, and other lender or adviser fees. Extending the mortgage term may reduce monthly payments but can result in paying more interest overall and remaining in debt for longer.
You should carefully consider affordability now and in the future and seek professional advice before proceeding.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
No. SynergiseUK does not provide mortgage advice or lending decisions.
We act solely as a referral platform, introducing potential customers to authorised mortgage advisers or lenders.
Any advice, affordability assessment, credit checks, and mortgage recommendations will be provided directly by the authorised provider, who is responsible for ensuring the product is suitable for your circumstances and compliant with Financial Conduct Authority regulations.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
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